<SEC-DOCUMENT>0001104659-24-132904.txt : 20241231
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<ACCEPTANCE-DATETIME>20241231170247
ACCESSION NUMBER:		0001104659-24-132904
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		38
CONFORMED PERIOD OF REPORT:	20241230
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Unregistered Sales of Equity Securities
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20241231
DATE AS OF CHANGE:		20241231

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HAWAIIAN ELECTRIC INDUSTRIES INC
		CENTRAL INDEX KEY:			0000354707
		STANDARD INDUSTRIAL CLASSIFICATION:	ELECTRIC SERVICES [4911]
		ORGANIZATION NAME:           	01 Energy & Transportation
		IRS NUMBER:				990208097
		STATE OF INCORPORATION:			HI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08503
		FILM NUMBER:		241593651

	BUSINESS ADDRESS:	
		STREET 1:		1001 BISHOP STREET, SUITE 2900
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96813
		BUSINESS PHONE:		8085435662

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 730
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96808-0730
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<p style="margin: 0pt">&#160;</p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNITED STATES</p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SECURITIES AND EXCHANGE COMMISSION</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 12pt">WASHINGTON, DC 20549</span></p>

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

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

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

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

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

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

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<p style="margin: 0">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction of incorporation)</p>

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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Address of principal executive offices and zip
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&#8217;s telephone number, including
area code:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(<span id="xdx_90E_edei--CityAreaCode_c20241230__20241230_zohBDl6DBWuj"><ix:nonNumeric contextRef="AsOf2024-12-30" id="Fact000020" name="dei:CityAreaCode">808</ix:nonNumeric></span>) <span id="xdx_90A_edei--LocalPhoneNumber_c20241230__20241230_zXcMWRRq1pOg"><ix:nonNumeric contextRef="AsOf2024-12-30" id="Fact000021" name="dei:LocalPhoneNumber">543-5662</ix:nonNumeric></span>&#160;</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Not applicable</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed since
last report.)</p>

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

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

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

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

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

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

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    <td style="border-top: black 1pt solid; border-left: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.5pt; width: 29%; text-align: center">Registrant</td>
    <td style="border-top: black 1pt solid; border-left: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.5pt; text-align: center">Title of each class</td>
    <td style="border-top: black 1pt solid; border-left: black 1pt solid; padding: 1.5pt 1.25pt 1.5pt 1.5pt; text-align: center">Trading<br/>
 Symbol(s)</td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-left: black 1pt solid; padding: 1.5pt; width: 31%; text-align: center">Name of each exchange on which<br/>
 registered</td></tr>
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    Electric Industries, Inc.</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule&#160;405 of the Securities Act of 1933 (17 CFR &#167;230.405) or Rule&#160;12b-2 of the Securities Exchange
Act of 1934 (17 CFR &#167;240.12b-2).</p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section&#160;13(a)&#160;of the Exchange Act. <span style="font-family: Wingdings">&#168;</span></p>

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


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

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<td style="width: 0"/><td style="width: 1in"><span style="font-size: 11.5pt"><b>Item 1.01</b></span></td><td><span style="font-size: 11.5pt"><b>Entry
                                            into a Material Definitive Agreement</b></span></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">On December&#160;30,
2024, Hawaiian Electric Industries,&#160;Inc. (&#8220;HEI&#8221;) became a party to separate investment agreements (each, an &#8220;Investment
Agreement&#8221; and, together, the &#8220;Investment Agreements&#8221;) each by and among itself, ASB Hawaii,&#160;Inc., a wholly owned
subsidiary of HEI (&#8220;Seller&#8221;) and American Savings Bank, F.S.B., a wholly owned subsidiary of Seller (&#8220;ASB&#8221;),
on the one hand, and each investor named in the Investment Agreement (each, an &#8220;Investor&#8221; and, together, the &#8220;Investors&#8221;),
on the other hand. HEI and ASB are parties to the Investment Agreements solely for the respective purposes set forth in the Investment
Agreements.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each of Ann C. Teranishi, Danielle Aiu, Anthony Mizuno, Steven Nakahara, Natalie M.H. Taniguchi, Dane Alain Teruya, John Steven Ward,
Elizabeth Whitehead and Brian Yoshii currently serves as an executive officer of ASB and each of them, either directly or through a related
trust, is party to an Investment Agreement. Each of Richard J. Dahl, Michael Kennedy and Yoko Otani currently serves as an independent
director of ASB and each of them, either directly or through a related trust, is party to an Investment Agreement.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">Pursuant to the
Investment Agreements and on the terms and subject to the conditions set forth therein, (i)&#160;each Investor, including the officers
and directors of ASB named above, separately purchased from Seller a number of shares of common stock of ASB (&#8220;ASB Common Stock&#8221;)
specified in each Investment Agreement for a purchase price of $50,000 in cash per share of ASB Common Stock (each such purchase of ASB
Common Stock, an &#8220;Investment&#8221; and, collectively, the &#8220;Investments&#8221;) and (ii)&#160;Seller retained 9.9% of the
issued and outstanding shares of ASB Common Stock, resulting in a sale, in the aggregate, of 90.1% of the issued and outstanding ASB
Common Stock for an aggregate purchase price of $405,450,000, the proceeds of which will be received by Seller.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">The Investments
closed on December&#160;31, 2024. No Investor acquired more than 9.9% of the issued and outstanding shares of ASB Common Stock. Following
consummation of the Investments contemplated by the Investment Agreements, and subject to completion of regulatory requirements to deregister
as a Savings and Loan Holding Company, it is expected that HEI and Seller will no longer be treated as Savings and Loan Holding Companies
under the Home Owners&#8217; Loan Act.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">HEI, Seller, ASB
and each of the Investors provided customary representations, warranties and covenants in the Investment Agreements. Under the Investment
Agreements, Seller has provided (and HEI is financially responsible for) indemnification rights in favor of the Investors in respect
of certain breaches of representations and warranties and in respect of certain pre-closing taxes of ASB. The indemnification rights
are subject to terms, conditions and limitations, including as to amounts, each as set forth in the Investment Agreements.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">The description
of the Investment Agreements set forth above does not purport to be complete and is qualified in its entirety by reference to the terms
and conditions of the Investment Agreements, which are filed as Exhibits 10.1, 10.2, 10.3, 10.4, 10.5, 10.6, 10.7, 10.8, 10.9, 10.10,
10.11, 10.12, 10.13, 10.14, 10.15, 10.16, 10.17, 10.18, 10.19, 10.20, 10.21, 10.22 and 10.23 hereto and incorporated herein by reference.</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"/><td style="width: 1in"><span style="font-size: 11.5pt"><b>Item 2.01</b></span></td><td><span style="font-size: 11.5pt"><b>Completion
                                            of Acquisition or Disposition of Assets</b></span></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">The information
set forth in Item 1.01 of this Current Report on Form&#160;8-K is incorporated by reference into this Item 2.01.</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"/><td style="width: 1in"><span style="font-size: 11.5pt"><b>Item 3.02</b></span></td><td><span style="font-size: 11.5pt"><b>Unregistered
                                            Sales of Equity Securities</b></span></td></tr></table>

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

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information set forth in Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 3.02. The ASB Common
Stock is exempt from registration under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;) as a security issued
by a &#8220;bank&#8221; in reliance upon Section 3(a)(2) of the Securities Act, and the transactions are exempt from registration under
the securities offering regulations of the Office of the Comptroller of the Currency at 12 C.F.R. Part 16 (&#8220;Part 16&#8221;) as transactions
that satisfy Rule 144A under the Securities Act or as transactions that are exempt from registration under Section 4 of the Securities
Act.</p>

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

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

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"/><td style="width: 1in"><span style="font-size: 11.5pt"><b>Item 7.01</b></span></td><td><span style="font-size: 11.5pt"><b>Regulation
                                            FD Disclosure</b></span></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-size: 12pt">On December&#160;31,
2024, HEI issued a press release announcing the Investment Agreements. A copy of the press release is attached hereto as Exhibit&#160;99.1.
The information in this Item 7.01, including Exhibit&#160;99.1, shall not be deemed &#8220;filed&#8221; for purposes of Section&#160;18
of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), nor shall it be deemed incorporated by reference
in any filing under the Securities Act of 1933, as amended, or the Exchange Act.</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font-size: 12pt; vertical-align: top; text-align: justify">
<td style="font-size: 12pt; width: 0"/><td style="font-size: 12pt; width: 1in; text-align: left"><b>Item 9.01</b></td><td style="font-size: 12pt; text-align: justify"><b>Financial Statements and Exhibits.</b></td>
</tr></table>

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

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><b>(d)&#160;Exhibits</b></p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="width: 1in; padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><span style="font-size: 11pt"><b>Exhibit&#160;No.</b></span></td>
    <td style="padding-bottom: 5pt"><span style="font-size: 11pt"><b>Description</b></span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-1.htm"><span style="font-size: 12pt">10.1</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-1.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., 3Edgewood Investments, LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-2.htm"><span style="font-size: 12pt">10.2</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-2.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Blue Ocean Ventures, LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-3.htm"><span style="font-size: 12pt">10.3</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-3.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Castle Creek Capital Partners VIII Co-Investment Fund C, LP, American Savings Bank, F.S.B.
    and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-4.htm"><span style="font-size: 12pt">10.4</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-4.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Castle Creek Capital Partners VIII, LP, American Savings Bank, F.S.B. and Hawaiian Electric
    Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-5.htm"><span style="font-size: 12pt">10.5</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-5.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., CDI American, LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-6.htm"><span style="font-size: 12pt">10.6</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-6.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Celtic Bank Corporation, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-7.htm"><span style="font-size: 12pt">10.7</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-7.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Davis Partnership, L.P., American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-8.htm"><span style="font-size: 12pt">10.8</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-8.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Golden Peak SPV24 LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-9.htm"><span style="font-size: 12pt">10.9</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-9.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., JCSD Bishop, LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-10.htm"><span style="font-size: 12pt">10.10</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-10.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Strategic Value Investors LP, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>

<tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center; width: 1in"><a href="tm2432285d1_ex10-11.htm"><span style="font-size: 12pt">10.11</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-11.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Pomegranate Funding, LLC, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
</table>

<p style="margin: 0">&#160;</p>

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<p style="margin: 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center; width: 1in"><a href="tm2432285d1_ex10-12.htm"><span style="font-size: 12pt">10.12</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-12.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., the Ann C. Teranishi Revocable Trust, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-13.htm"><span style="font-size: 12pt">10.13</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-13.htm"><span style="font-size: 12pt">Investment Agreement, dated
    December&#160;30, 2024, by and among ASB Hawaii,&#160;Inc., Danielle Aiu, American Savings Bank, F.S.B. and Hawaiian Electric
    Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-14.htm"><span style="font-size: 12pt">10.14</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-14.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., the Anthony Mizuno Revocable Trust, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-15.htm"><span style="font-size: 12pt">10.15</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-15.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Steven Nakahara, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-16.htm"><span style="font-size: 12pt">10.16</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-16.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., the Natalie M.H. Taniguchi Revocable Living Trust, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-17.htm"><span style="font-size: 12pt">10.17</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-17.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Dane Alain Teruya, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-18.htm"><span style="font-size: 12pt">10.18</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-18.htm"><span style="font-size: 12pt">Investment Agreement, dated
    December&#160;30, 2024, by and among ASB Hawaii,&#160;Inc., John Steven Ward, American Savings Bank, F.S.B. and Hawaiian Electric
    Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-19.htm"><span style="font-size: 12pt">10.19</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-19.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Karen Elizabeth Whitehead, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-20.htm"><span style="font-size: 12pt">10.20</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-20.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Brian Yoshii, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-21.htm"><span style="font-size: 12pt">10.21</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-21.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., The Richard J. Dahl Revocable Living Trust, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-22.htm"><span style="font-size: 12pt">10.22</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-22.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., the Kennedy Family Living Trust, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex10-23.htm"><span style="font-size: 12pt">10.23</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex10-23.htm"><span style="font-size: 12pt">Investment Agreement, dated December&#160;30,
    2024, by and among ASB Hawaii,&#160;Inc., Yoko Otani, American Savings Bank, F.S.B. and Hawaiian Electric Industries,&#160;Inc.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><a href="tm2432285d1_ex99-1.htm"><span style="font-size: 12pt">99.1</span></a></td>
    <td style="padding-bottom: 5pt"><a href="tm2432285d1_ex99-1.htm"><span style="font-size: 12pt">Press Release, dated December&#160;31, 2024.*</span></a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 5pt; padding-left: 1.25pt; text-align: center"><span style="font-size: 12pt">104</span></td>
    <td style="padding-bottom: 5pt"><span style="font-size: 12pt">Cover Page&#160;Interactive Data File (embedded
    within the Inline XBRL document).</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"><i>* Pursuant
to Item 601(b)(10)(iv) of Regulation S-K promulgated by the Securities and Exchange Commission, certain portions of this exhibit, marked
by [***], have been omitted because the registrant has determined that the information is (i) not material and (ii) is the type that
the registrant treats as private or confidential. The registrant hereby agrees to furnish supplementally to the Securities and Exchange
Commission, upon its request, an unredacted copy of this exhibit.</i></p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 12pt">SIGNATURE</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-size: 12pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-size: 12pt">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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-bottom: 2pt; width: 50%"><span style="font-size: 12pt">&#160;</span></td>
    <td style="padding-bottom: 2pt; vertical-align: bottom; width: 50%"><span style="font-size: 12pt">HAWAIIAN ELECTRIC INDUSTRIES,&#160;INC.</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td>
    <td style="padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">(Registrant)</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">Dated: December&#160;31, 2024</span></td>
    <td style="padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">By: /s/ Scott T. DeGhetto</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td>
    <td style="border-top: black 1pt solid; padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">Scott T. DeGhetto</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td>
    <td style="padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">Executive Vice President,</span></td></tr>
  <tr>
    <td style="padding-bottom: 2pt"><span style="font-size: 12pt">&#160;</span></td>
    <td style="padding-bottom: 2pt; vertical-align: bottom"><span style="font-size: 12pt">Chief Financial Officer and Treasurer</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>tm2432285d1_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<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 10.1</B></P>

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

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

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

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked
by [***], has been omitted because the registrant has determined that the information (i) is not material and (ii) is the type that the
registrant treats as private or confidential.</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>3EDGEWOOD INVESTMENTS, LLC</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

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

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

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right">9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  </TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between 3Edgewood Investments, LLC, a
Delaware limited liability company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U>
and <U>Article&nbsp;VII</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 891 shares of Bank Common Stock (representing 9.90% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 891 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $44,550,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&nbsp;7.14</U>:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Investor is a Delaware limited liability company duly organized, validly existing and in good standing under the laws of the State of
Delaware. Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its
business as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $9,900,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>1001 Bishop Street, Suite&nbsp;2900</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">3EDGEWOOD Investments, LLC<BR>
5700 E McDonald Dr.&nbsp;#6<BR>
Paradise Valley, AZ 85253</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">3EDGEWOOD Investments, LLC<BR>
5700 E McDonald Dr.&nbsp;#6<BR>
Paradise Valley, AZ 85253</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
  </TABLE>


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

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

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

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

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

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3Edgewood Investments, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3Edgewood, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Manager</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Robert Sarver</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name: Robert Sarver</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: Manager</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Evan Feldhausen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name: Evan Feldhausen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: Manager</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, &nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">AMERICAN SAVINGS BANK, F.S.B.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>President and Chief Executive Officer</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>tm2432285d1_ex10-2.htm
<DESCRIPTION>EXHIBIT 10.2
<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 10.2</B></P>

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

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

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

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked
by [***], has been omitted because the registrant has determined that the information (i) is not material and (ii) is the type that the
registrant treats as private or confidential.</B></P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article I</B></FONT>
    INVESTMENT; CLOSING</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%">Section 1.1</TD>
    <TD STYLE="width: 77%">Investment</TD>
    <TD STYLE="text-align: right; width: 8%">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 1.2</TD>
    <TD>Closing</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 1.3</TD>
    <TD>Investor Deliveries at Closing</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 1.4</TD>
    <TD>Seller Deliveries at Closing</TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 1.5</TD>
    <TD>Bank Deliveries at Closing</TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 1.6</TD>
    <TD>Withholding</TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article II</B></FONT>
    REPRESENTATIONS AND WARRANTIES OF BANK</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.1</TD>
    <TD>Organization</TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.2</TD>
    <TD>Capitalization</TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.3</TD>
    <TD>Authority; No Violation.</TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.4</TD>
    <TD>Consents and Approvals</TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.5</TD>
    <TD>Reports</TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.6</TD>
    <TD>Financial Statements</TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.7</TD>
    <TD>Broker&rsquo;s Fees</TD>
    <TD STYLE="text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.8</TD>
    <TD>Absence of Certain Changes or Events</TD>
    <TD STYLE="text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.9</TD>
    <TD>Legal and Regulatory Proceedings</TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.10</TD>
    <TD>Taxes and Tax Returns</TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.11</TD>
    <TD>Employee Benefits</TD>
    <TD STYLE="text-align: right">11</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.12</TD>
    <TD>Compliance with Applicable Law</TD>
    <TD STYLE="text-align: right">13</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.13</TD>
    <TD>Actions by Regulatory Agencies</TD>
    <TD STYLE="text-align: right">15</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.14</TD>
    <TD>Environmental Matters</TD>
    <TD STYLE="text-align: right">15</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.15</TD>
    <TD>Investment Securities</TD>
    <TD STYLE="text-align: right">16</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.16</TD>
    <TD>Intellectual Property</TD>
    <TD STYLE="text-align: right">16</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.17</TD>
    <TD>Loan Portfolio</TD>
    <TD STYLE="text-align: right">17</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.18</TD>
    <TD>Insurance</TD>
    <TD STYLE="text-align: right">17</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.19</TD>
    <TD>Risk Management Instruments</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.20</TD>
    <TD>No-Broker Dealers</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.21</TD>
    <TD>Intercompany Obligations</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.22</TD>
    <TD>Customer Relationships</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.23</TD>
    <TD>Shell Company Status</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.24</TD>
    <TD>No Disqualification Events</TD>
    <TD STYLE="text-align: right">19</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.25</TD>
    <TD>Other Investors</TD>
    <TD STYLE="text-align: right">19</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.26</TD>
    <TD>Material Contracts</TD>
    <TD STYLE="text-align: right">19</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.27</TD>
    <TD>Real Property</TD>
    <TD STYLE="text-align: right">21</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.28</TD>
    <TD>Sufficiency of Assets</TD>
    <TD STYLE="text-align: right">21</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.29</TD>
    <TD>Critical Technologies</TD>
    <TD STYLE="text-align: right">21</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 2.30</TD>
    <TD>No Other Representations or Warranties</TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article III</B></FONT>
    REPRESENTATIONS AND WARRANTIES OF SELLER</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.1</TD>
    <TD>Organization</TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.2</TD>
    <TD>Authority; No Violation</TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.3</TD>
    <TD>Consents and Approvals</TD>
    <TD STYLE="text-align: right">23</TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%">Section 3.4</TD>
    <TD STYLE="width: 77%">Legal and Regulatory Proceedings</TD>
    <TD STYLE="text-align: right; width: 8%">23</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.5</TD>
    <TD>Title to Bank Common Stock</TD>
    <TD STYLE="text-align: right">24</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.6</TD>
    <TD>Broker&rsquo;s Fees</TD>
    <TD STYLE="text-align: right">24</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 3.7</TD>
    <TD>No Other Representations or Warranties</TD>
    <TD STYLE="text-align: right">24</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article IV</B></FONT>
    REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.1</TD>
    <TD>Organization</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.2</TD>
    <TD>Authority; No Violation</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.3</TD>
    <TD>Bank Common Stock</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.4</TD>
    <TD>Consents and Approvals</TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.5</TD>
    <TD>Broker&rsquo;s Fees</TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 4.6</TD>
    <TD>No Other Representations or Warranties</TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article V</B></FONT>
    REPRESENTATIONS AND WARRANTIES OF INVESTOR</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">27</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.1</TD>
    <TD>Organization</TD>
    <TD STYLE="text-align: right">27</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.2</TD>
    <TD>Authority; No Violation</TD>
    <TD STYLE="text-align: right">27</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.3</TD>
    <TD>Consents and Approvals</TD>
    <TD STYLE="text-align: right">27</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.4</TD>
    <TD>Broker&rsquo;s Fees</TD>
    <TD STYLE="text-align: right">27</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.5</TD>
    <TD>Investment Intent and Risk; Financial Capability</TD>
    <TD STYLE="text-align: right">28</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.6</TD>
    <TD>Bank Regulatory Matters</TD>
    <TD STYLE="text-align: right">29</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.7</TD>
    <TD>Tax Consequences</TD>
    <TD STYLE="text-align: right">29</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.8</TD>
    <TD>Restrictions on Transferability</TD>
    <TD STYLE="text-align: right">29</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 5.9</TD>
    <TD>No Other Representations or Warranties</TD>
    <TD STYLE="text-align: right">30</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article VI</B></FONT>
    COVENANTS</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">30</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 6.1</TD>
    <TD>Public Announcements</TD>
    <TD STYLE="text-align: right">30</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 6.2</TD>
    <TD>Treatment of Equity Awards at Closing</TD>
    <TD STYLE="text-align: right">30</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 6.3</TD>
    <TD>Tax Matters</TD>
    <TD STYLE="text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 6.4</TD>
    <TD>Representation and Warranty Insurance Policy</TD>
    <TD STYLE="text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Article VII</B></FONT>
    GENERAL PROVISIONS</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">32</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.1</TD>
    <TD>Indemnification</TD>
    <TD STYLE="text-align: right">32</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.2</TD>
    <TD>Amendment; Waiver</TD>
    <TD STYLE="text-align: right">37</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.3</TD>
    <TD>Further Assurances</TD>
    <TD STYLE="text-align: right">37</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.4</TD>
    <TD>Expenses</TD>
    <TD STYLE="text-align: right">37</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.5</TD>
    <TD>Notices</TD>
    <TD STYLE="text-align: right">37</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.6</TD>
    <TD>Interpretation</TD>
    <TD STYLE="text-align: right">39</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.7</TD>
    <TD>Counterparts</TD>
    <TD STYLE="text-align: right">39</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.8</TD>
    <TD>Entire Agreement</TD>
    <TD STYLE="text-align: right">39</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.9</TD>
    <TD>Governing Law; Jurisdiction</TD>
    <TD STYLE="text-align: right">39</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.10</TD>
    <TD>Waiver of Jury Trial</TD>
    <TD STYLE="text-align: right">40</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.11</TD>
    <TD>Assignment; Third-Party Beneficiaries</TD>
    <TD STYLE="text-align: right">40</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.12</TD>
    <TD>Specific Performance</TD>
    <TD STYLE="text-align: right">41</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.13</TD>
    <TD>Severability</TD>
    <TD STYLE="text-align: right">41</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.14</TD>
    <TD>Confidential Supervisory Information</TD>
    <TD STYLE="text-align: right">41</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.15</TD>
    <TD>Delivery by Facsimile or Electronic Transmission</TD>
    <TD STYLE="text-align: right">41</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">Section 7.16</TD>
    <TD>Certain Definitions</TD>
    <TD STYLE="text-align: right">42</TD></TR>
  </TABLE>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  </TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  </TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Blue Ocean Ventures, LLC, a Delaware
limited liability company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U>
and <U>Article&nbsp;VII</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 788 shares of Bank Common Stock (representing 8.76% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 788 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $39,400,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a fully
executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant to
<U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement) required
to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by 11:59 p.m.,
Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days after receiving
wire instructions from Investor, return the Purchase Price to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank Deliveries at Closing</U>. At the Closing:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>. The parties agree that, under currently applicable law and provided Seller delivers
the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>, no deduction and withholding is required from the consideration otherwise
payable or deliverable to Seller in connection with the Investment.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as an
exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception or fact,
event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any disclosures
made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this <U>Article&nbsp;II</U>
specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the extent it is reasonably
apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure that such disclosure
applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it being understood that,
without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller or Seller Parent and that
Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants to Investor as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good
standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or have
the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority; No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the &ldquo;<U>Enforceability
Exceptions</U>&rdquo;)).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions of
any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a party,
or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or in the aggregate,
would not be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents and Approvals</U>. Except for the securities or blue sky laws of the various states
and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, no consent, approval (including expiration of any
statutory waiting period), no-objection, order or authorization of, or material registration, declaration or filing with, or notice to,
any Governmental Entity is required on the part of Bank in connection with the execution, delivery and performance by Bank of this Agreement,
the Stockholders Agreement and the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>. Bank has timely filed (or furnished) all reports, forms, correspondence, registrations
and statements, together with any amendments required to be made with respect thereto, that it was required to file (or furnish, as applicable)
since January&nbsp;1, 2022 with any Regulatory Agencies including any report, form, correspondence, registration, notification or statement
required to be filed (or furnished, as applicable) pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any
foreign entity or any Regulatory Agency, and has paid all fees and assessments due and payable in connection therewith, except where
the failure to file (or furnish, as applicable) such report, form, correspondence, registration, notification or statement or to pay
such fees and assessments, either individually or in the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>,
since January&nbsp;1, 2022, (a)&nbsp;no Governmental Entity has initiated or has pending any material proceeding, or, to the knowledge
of Bank, investigation into the business or operations of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception
by any Governmental Entity with respect to any report or statement relating to any examinations or inspections of Bank and (c)&nbsp;there
have been no material formal or informal disagreements or disputes with any Governmental Entity with respect to the business, operations,
policies or procedures of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be subject
to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed to
provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in
Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co.
and Guggenheim Partners, LLC (the fees of which will be paid solely by Seller or Seller Parent), neither Bank nor any of its respective
officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with this Agreement or any Other Investment Agreement or the transactions contemplated hereby or
thereby.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered into
any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal, administrative,
arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or before any Governmental
Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former directors or executive
officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result
in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging the validity
or propriety of the transactions contemplated by this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in either
case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity (each,
an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their capacities
as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank <FONT STYLE="background-color: white">is not a debtor under any proceeding in bankruptcy, insolvency,
or reorganization.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10 &#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether or
not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including backup
withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements with
respect thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax purposes.
The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;), to be treated
as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined in Code Section&nbsp;1361(b)(3)(B).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury Regulations
Section&nbsp;1.6011-4(b)(1).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11 &#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or that
are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in accordance
with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the &ldquo;<U>IRS</U>&rdquo;)
has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is intended to be qualified
under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust, which determination
letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller, there are no existing
circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status of any Bank Qualified
Plan or the related trust.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has been
requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;) have
been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or is expected
to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably be
expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending or,
to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with any
other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service provider
of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any increased
or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements for any Bank
Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such employee, director,
individual consultant, officer or other individual service provider.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12 &#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of
failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter or
authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank, and,
to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any action
related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute, Order,
rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws and regulations
(and publicly posted policies) relating to the privacy and security of data or information that constitutes personal data, personally
identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act, the Bank Secrecy
Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting
Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic
Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial
Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act
of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act, any and all sanctions
or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and any other law, policy
or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection, money laundering prevention,
foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley
Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing regulations thereunder,
and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither is the Bank now, nor
has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative agreement or
sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial or consumer
loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable financial
recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts business.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate, or
other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran, North
Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or resident
in any Sanctioned Country.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of Bank,
(v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful payoff,
unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether
in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to pay for
favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject to any United
States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except, in each case,
as would not, either individually or in the aggregate, be material to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for which
it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator
or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign law; and (ii)&nbsp;neither
Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with respect to any such fiduciary
account, and the accountings for each such fiduciary account are true, correct and complete and accurately reflect the assets and results
of such fiduciary account.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13
 &#8239;&#8239;&#8239;</FONT><U>Actions by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject
to any cease-and-desist or other order or enforcement action issued by, nor is Bank a party to any written agreement, consent agreement
or memorandum of understanding with, nor is Bank a party to any commitment letter or similar undertaking to, nor is subject to any order
or directive by, nor has Bank been ordered to pay any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies,
procedures or board resolutions at the request or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially
restricts the ordinary course operations of Bank or that in any material manner relates to its capital adequacy, its credit or risk management
policies, its management or its ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set
forth in the Bank Disclosure Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been
advised in writing by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting
any such Bank Regulatory Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental Matters</U>. Except as would not have, either individually or in the aggregate,
a Material Adverse Effect with respect to Bank, Bank is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental
Laws. There are no legal, administrative, arbitral or other proceedings, claims or actions or, to the knowledge of Bank, any private
environmental investigations or remediation activities or governmental investigations of any nature seeking to impose, or that could
reasonably be expected to result in the imposition, on Bank, of any liability or obligation arising under any Environmental Law pending
or threatened against Bank, which liability or obligation would have, either individually or in the aggregate, a Material Adverse Effect
with respect to Bank. To the knowledge of Bank, there is no reasonable basis for any such proceeding, claim, action or governmental investigation
that would impose any liability or obligation that would have, either individually or in the aggregate, a Material Adverse Effect with
respect to Bank. Except as set forth on Section&nbsp;2.14 of the Bank Disclosure Letter, Bank is not subject to any agreement, order,
judgment, decree, letter agreement or memorandum of agreement by or with any court, Governmental Entity, Regulatory Agency or other third
party imposing any liability or obligation with respect to the foregoing that would have, either individually or in the aggregate, a
Material Adverse Effect with respect to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15 &#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good faith
are prudent and reasonable in the context of its businesses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual Property</U>. Except as would not, either individually or in the aggregate, be material
to Bank:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Loan Portfolio</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages, pledges,
security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is the legal,
valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a rate
other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below market
at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>. Bank is insured with reputable insurers against such risks and in such amounts
consistent with industry practice, and Bank is in material compliance with its insurance policies and is not in default under any of
the material terms thereof. Except as disclosed in Section&nbsp;2.18 of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding
and in full force and effect, (b)&nbsp;all premiums and other payments due under any such policy have been paid, and all Bank claims
thereunder have been filed in due and timely fashion, (c)&nbsp;there is no claim for coverage by Bank pending under any insurance policy
as to which coverage has been questioned, denied or disputed by the underwriters of such insurance policy and (d)&nbsp;Bank has not received
notice of any threatened termination of, premium increase that Bank would be responsible for with respect to, or alteration of coverage
under, any insurance policies, in each case, except as would not be material to Bank individually or in the aggregate.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Risk Management Instruments</U>. Except as would not, either individually or in the aggregate,
be material to Bank, all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative
transactions and risk management arrangements, whether entered into for the account of Bank or for the account of a customer of Bank,
were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Governmental
Entity and with counterparties reasonably believed to be financially responsible at the time and are legal, valid and binding obligations
of Bank enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions). Except as would not,
either individually or in the aggregate, be material to Bank, Bank has duly performed in all material respects all its obligations thereunder
to the extent that such obligations to perform have accrued, and there are no material breaches, violations or defaults or bona fide
allegations or assertions of such by any party thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20
 &#8239;&#8239;&#8239;</FONT><U>No-Broker Dealers</U>. Bank is not and in the past 10 years has never been required to be registered,
licensed, qualified or authorized, as a broker-dealer under the Exchange Act or under any other applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21
 &#8239;&#8239;&#8239;</FONT><U>Intercompany Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts,
obligations, commitments and arrangements, including all account, note or loan payables and all advances (cash or otherwise) or any other
extensions of credit, between Seller or any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively,
the &ldquo;<U>Intercompany Obligations</U>&rdquo;). All such Intercompany Obligations (other than the Stockholders Agreement and Separation
Agreement) will be terminated at Closing. Bank has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22
 &#8239;&#8239;&#8239;</FONT><U>Customer Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022,
each trust, insurance or wealth management customer of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable
policies of Bank, (ii)&nbsp;in accordance with the terms of any applicable contract governing the relationship with such customer and
(iii)&nbsp;in compliance with all applicable laws and regulations. Except as would not be material to Bank, each contract governing a
relationship with a trust, insurance or wealth management customer of Bank has been duly and validly executed by Bank and, to the knowledge
of Bank, the other contracting parties, and each such contract constitutes a valid and binding obligation of the parties thereto, except
as such enforceability may be limited by the Enforceability Exceptions, and Bank and, to the knowledge of Bank, the other contracting
parties thereto, have duly performed in all material respects their obligations thereunder, and Bank and, to the knowledge of Bank, such
other contracting parties are in material compliance with each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any
of its directors, officers or employees has committed any material breach of trust or fiduciary duty with respect to any of the accounts
maintained on behalf of any trust, insurance or wealth management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and
is not currently, engaged in any material dispute with, or subject to material claims by, any such trust, insurance or wealth management
customer for breach of fiduciary duty or otherwise in connection with any such account.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Shell Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under
the Securities Act or the corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24
 &#8239;&#8239;&#8239;&#8239;</FONT><U>No Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors,
any affiliated issuer, any director, executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions
contemplated by this Agreement, any beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated
on the basis of voting power), nor any promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities
disclosure rules&nbsp;in Part&nbsp;16) connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo;
and together &ldquo;<U>Issuer Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described
in Rule&nbsp;506(d)(1)(i)&nbsp;through (viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a
 &ldquo;<U>Disqualification Event</U>&rdquo;), except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under
the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any
Issuer Covered Person is subject to a Disqualification Event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Other Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has
executed and delivered to Seller a counterpart to an Other Investment Agreement, substantially in the same form and on substantially
the same terms as this Agreement (and which Other Investment Agreement does not establish rights or benefits for such Other Investor
that are more favorable to such Other Investor in any respect than the rights and benefits established in favor of Investor by this Agreement).
Other than the Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor
that provides such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment
Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Material Contracts</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out, indemnification
or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve payments by
Bank of more than $2,000,000 after the date hereof;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as a
 &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually or
in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material Contract
has in all material respects complied with and performed all obligations required to be complied with and performed by it to date under
such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would not be material
to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract by any of the
other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or both, will constitute,
a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or under any such Material
Contract, except where such breach or default, either individually or in the aggregate, would not be material to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27 &#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise occupied
by it.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have expired
by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank Real Property</U>&rdquo;),
free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported to be leased thereunder,
and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There are no pending or, to
the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency of Assets</U>. Immediately after the Closing, Bank will own or have the right to
use, all assets, liabilities, rights and properties (including its IT systems) sufficient to conduct the business of Bank in all material
respects in the same manner and on the same terms as currently conducted by Bank, consistent with past practice.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29
 &#8239;&#8239;&#8239;</FONT><U>Critical Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication,
development, testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense
Production Act of 1950, as amended (including all implementing regulations thereof). For purposes of this representation, and after consulting
with CFIUS counsel, Bank&rsquo;s reasonable investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information
Officer and Director of Information Security, each of whom, after discussing with CFIUS counsel present, does not believe that the Bank
engages in the design, fabrication, development, testing, production or manufacture of one or more &ldquo;critical technologies&rdquo;
within the meaning of the Defense Production Act of 1950, as amended (including all implementing regulations thereof).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30
 &#8239;&#8239;&#8239;&#8239;</FONT><U>No Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in the
course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents and
warrants to Investor as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>. Seller is a corporation duly organized, validly existing and in good standing
under the laws of the State of Hawaii and is a savings and loan holding company duly registered under the Home Owners&rsquo; Loan Act.
Seller has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as
it is now being conducted in all material respects. Seller is duly licensed or qualified to do business and in good standing in each
jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased
or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Bank or
a Material Adverse Effect with respect to Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority; No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the actions
described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the
Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings on
the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the Other
Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and (assuming
due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding obligations
of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability may be limited
by the Enforceability Exceptions).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3 </U>and
assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any law,
statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents and Approvals</U>. Except for the securities or blue sky laws of the various states
and assuming no Investor is acting in concert with an Other Investor, no consent, approval (including expiration of any statutory waiting
period), no-objection, order or authorization of, or material registration, declaration or filing with, any Governmental Entity is required
on the part of Seller in connection with the execution, delivery and performance by Seller of this Agreement and the Other Investment
Agreements and the consummation by Seller of the Investment and the Other Investments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller <FONT STYLE="background-color: white">is not a debtor under any proceeding in bankruptcy,
insolvency, or reorganization.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free
and clear of all Liens (other than transfer restrictions arising under applicable federal or state securities laws or under the terms
of the Stockholders Agreement), and shall have as of the time immediately prior to the Closing good and valid title to the Bank Common
Stock, free and clear of all Liens (other than transfer restrictions arising under applicable federal or state securities laws or under
the terms of the Stockholders Agreement). At the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and
clear of all Liens (other than transfer restrictions arising under applicable federal or state securities laws or under the terms of
the Stockholders Agreement).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co.
and Guggenheim Partners, LLC (the fees of which will be paid solely by Seller or Seller Parent), neither Seller nor any of its respective
officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with this Agreement or any Other Investment Agreement or the transactions contemplated hereby or
thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any express
or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation or
warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>. Seller Parent is a corporation duly organized, validly existing and in good
standing under the laws of the State of Hawaii and is a savings and loan holding company duly registered under the Home Owners&rsquo;
Loan Act. Seller Parent has the corporate power and authority to own, lease or operate all of its properties and assets and to carry
on its business as it is now being conducted in all material respects. Seller Parent is duly licensed or qualified to do business and
in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties
and assets owned, leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be
so licensed or qualified or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority; No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to
the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate the
Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all cases
as such enforceability may be limited by the Enforceability Exceptions).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or
a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of
the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed
of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and
Bank) have outstanding any bonds, debentures, notes or other obligations, the holders of which have the right to vote (or convert into
or exercise for securities having the right to vote) with holders of Bank Common Stock on any matter.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents and Approvals</U>. Except for the securities or blue sky laws of the various states
and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, no consent, approval (including expiration of any
statutory waiting period), no-objection, order or authorization of, or material registration, declaration or filing with, any Governmental
Entity is required on the part of Seller Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement
and the Other Investment Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co.
and Guggenheim Partners, LLC (the fees of which will be paid solely by Seller or Seller Parent), neither Seller Parent nor any of its
respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s
fees, commissions or finder&rsquo;s fees in connection with this Agreement or any Other Investment Agreement or the transactions contemplated
hereby or thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person makes
or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial
projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except for
the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented to
Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>. Investor is a Delaware limited liability company duly organized, validly existing
and in good standing under the laws of Delaware. Investor has the corporate power and authority to own, lease or operate all of its properties
and assets and to carry on its business as it is now being conducted in all material respects. Investor is duly licensed or qualified
to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location
of the properties and assets owned, leased or operated by it makes such licensing, qualification or standing necessary, except where
the failure to be so licensed or qualified or to be in good standing would not, either individually or in the aggregate, have a Material
Adverse Effect with respect to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority; No Violation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3</U>
are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable
to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with, result in a
breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or
both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the
performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any of its
Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease,
agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of their
respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts,
breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have
a Material Adverse Effect with respect to Investor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents and Approvals</U>. Except for the securities or blue sky laws of the various states,
no consent, approval, order or authorization of, or material registration, declaration or filing with, any Governmental Entity is required
on the part of Investor in connection with the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement
and the consummation by Investor of the Investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers
or directors, has employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor deems
necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as it has
considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares. Investor
is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV</U>
in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total loss
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is (i)&nbsp;a
 &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for purposes of
Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act
and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or state,
or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by this Agreement.
Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view to or for sale
in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking, arrangement,
obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose of any of
the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act, Part&nbsp;16
and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment
will depend on its particular circumstances, and that it will look solely to, and rely upon, its own advisors with respect to the Tax
consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions on Transferability</U>. Investor acknowledges that there will be restrictions on
the transferability of the Purchased Shares as set forth in the Stockholders Agreement, that there are restrictions on transferability
as set forth in the securities disclosure rules&nbsp;in Part&nbsp;16, that there is currently no public market for the Purchased Shares
and none may develop, and that, accordingly, it may not be possible for it to liquidate its investment in Bank except as set forth in
the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press
release with respect to the execution and delivery of this Agreement and consummation of the Closing shall be a release mutually agreed
to by the parties and that, to the extent practicable, subsequent releases shall be mutually agreed. Thereafter, each of the parties
agrees that no public release or announcement or statement concerning this Agreement or the transactions contemplated hereby shall be
issued by any party without the prior written consent of the other parties (which consent shall not be unreasonably withheld, conditioned
or delayed), except (i)&nbsp;as required by applicable law or the rules&nbsp;or regulations of any applicable Governmental Entity or
stock exchange to which the relevant party is subject, in which case the party required to make the release or announcement shall consult
with the other parties about, and allow the other parties reasonable time to comment on, such release or announcement in advance of such
issuance, (ii)&nbsp;for such releases, announcements or statements that are consistent with other such releases, announcement or statements
made after the date of this Agreement in compliance with this <U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between
the parties regarding this Agreement or the transactions contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks,
service marks, trade dress or logos in any press release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment of Equity Awards at Closing</U>. To the extent any current or former employee, director
or other individual service provider of Bank (each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the
Closing, any cash, equity or equity-based awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the
 &ldquo;<U>2010 Equity Plan</U>&rdquo;), each such employee, director or other individual service provider shall, no later than fifteen
(15) days following the Closing Date, waive any retirement-based vesting protections with respect to any outstanding awards under the
2010 Equity Plan in writing in the form attached as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;);
<U>provided</U>, <U>however</U>, that, if the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or
prior to fifteen (15) days following the Closing Date, all such outstanding awards will be treated as of the Closing in accordance with
the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by Seller,
on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the &ldquo;<U>Filing
Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the &ldquo;<U>Non-Filing
Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall pay an amount equal to
its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date of such Tax Returns,
and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate in the timely
completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption or refund
of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for the
assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as contemplated
in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably expected
to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax Period (provided
that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly increase
Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect to
the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification on
any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty in
<U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import)
and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>. Notwithstanding
the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration of the applicable
survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks indemnification
(a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery by such Indemnified
Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim Notice</U>&rdquo;)
shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim and an identification
of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the extent then known; (ii)&nbsp;attach
copies of any written evidence or demand upon which such Direct Claim is based (to the extent that such written evidence or demand is
not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide such evidence when it becomes available);
and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which the Indemnifying Party may be liable, to
the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt of such notice to respond in writing to the
Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not deliver a Response Notice within such thirty
(30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and the Indemnifying Party&rsquo;s obligation to
indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it has
knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other than
one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but not
the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such individual
claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of any Fundamental
Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall in no event
exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed 10% of the Purchase
Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall in no event exceed
$8,760,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments made by Seller
Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative indemnification
obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price and (y)&nbsp;Investor
under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until the
aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to promptly
submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance Policy and
will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to the
contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U> shall
be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement and
(ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates, successors
or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty in this Agreement.
Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or liability under this
Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to give
rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use commercially
reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying Party shall
not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have been avoided
if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment; Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such
amendment or waiver is in writing and signed, in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case
of a waiver, by the party granting the waiver. No failure or delay by any party in exercising any right, power or privilege hereunder
shall operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other or further exercise thereof or
the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further Assurances</U>. Following the Closing, the parties shall use reasonable best efforts
to take or cause to be taken all actions, execute and deliver such additional instruments, documents, conveyances or assurances and to
do or cause to be done all other things, necessary, proper or advisable, or otherwise reasonably requested in writing by another party,
in order for such party to fulfill and perform its obligations in respect of this Agreement or otherwise to consummate and make effective
the transactions contemplated hereby and carry out the intent and purposes of this Agreement. Subject to appropriate confidentiality
protections and applicable law, each party agrees to cooperate with and furnish to the other parties such necessary information and reasonable
assistance as such other party may reasonably request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4
 &#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>. All costs and expenses incurred in connection with this Agreement and the transactions
contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;) shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>. All notices and other communications hereunder shall be in writing and shall be
deemed given if delivered personally, by e-mail transmission, mailed by registered or certified mail (return receipt requested) or delivered
by an express courier (with confirmation) to the parties at the following addresses (or at such other address for a party as shall be
specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:
</FONT></TD><TD STYLE="text-align: justify">Kurt K. Murao, Executive Vice
President,</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">General
Counsel, Chief Administrative Officer and Corporate Secretary</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">kmurao@hei.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">125 Broad Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">H. Rodgin Cohen</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">Stephen M. Salley</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">cohenhr@sullcrom.com</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">salleys@sullcrom.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Blue Ocean Ventures, LLC&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6893
E. Cactus Wren</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>Paradise Valley AZ 85253</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">[***]</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Mike Vieira,
General Counsel</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">450 Lexington Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Margaret E. Tahyar</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">David L. Portilla</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD STYLE="text-align: justify">margaret.tahyar@davispolk.com</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">david.portilla@davispolk.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>. The parties have participated jointly in negotiating and drafting this Agreement.
In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly
by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any
provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Annexes, or Schedules, such reference
shall be to an Article&nbsp;or Section&nbsp;of or Annex or Schedule to this Agreement unless otherwise indicated. The table of contents
and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation
of this Agreement. Whenever the words &ldquo;include,&rdquo; &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement,
they shall be deemed to be followed by the words &ldquo;without limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive.
References to &ldquo;the date hereof&rdquo; shall mean the date of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo;
of Seller or Bank means the actual knowledge, after reasonable investigation, of any of the executive officers of Seller or Bank listed
on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo;
means any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture,
estate, trust, association, organization, Governmental Entity or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo;
means, with respect to any specified person, any other person who directly or indirectly, controls, is controlled by, or is under common
control with, such person, (and where the term &ldquo;control&rdquo; (including the terms controlling, controlled by and under common
control with) means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies
of a person, whether through the ownership of voting securities, by contract or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo;
means any document or other information that was (a)&nbsp;provided by one party or its representatives to the other party and its representatives
prior to the date hereof, (b)&nbsp;included in the virtual data room of a party at least three (3)&nbsp;business days prior to the date
hereof; or (c)&nbsp;filed or furnished by a party with the SEC after December&nbsp;31, 2022 (including such information that is incorporated
by reference) and publicly available on EDGAR at least three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business
day&rdquo; means any day other than a Saturday, a Sunday or a day on which banks in Honolulu, Hawaii are authorized by law or executive
order to be closed, (v)&nbsp;the &ldquo;transaction contemplated hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo;
shall include the Investment, (vi)&nbsp;all references to &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references
to any law or regulation is a reference to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as
all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement.
Nothing contained in this Agreement shall require any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>. This Agreement may be executed in counterparts (including by pdf or other electronic
means), all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by
each of the parties and delivered to the other parties, it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Entire Agreement</U>. This Agreement (including the documents and instruments referred to herein)
together with the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and
understandings, both written and oral, among the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the State
of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any federal
or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely in connection
with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably submits to the
exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding in the Chosen
Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and
(iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance
with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10
 &#8239;&#8239;&#8239;</FONT><U>Waiver of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE
UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY
WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO
A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS
CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER
PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE
FOREGOING WAIVER, (II)&nbsp;EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS
WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS
AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment; Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests
or obligations hereunder shall be assigned by any of the parties hereto (whether by operation of law or otherwise) without the prior
written consent of the other parties; <U>provided</U>, that Investor may assign this Agreement to an affiliate of Investor without the
prior written consent of the other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to
the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective
successors and assigns. This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer
upon any person other than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations
and warranties set forth in this Agreement. The representations and warranties in this Agreement are the product of negotiations among
the parties hereto and are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to
waiver by the parties hereto in accordance herewith without notice or liability to any other person. In some instances, the representations
and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless
of the knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and
warranties in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other
date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Specific Performance</U>. The parties hereto agree that irreparable damage would occur if any provision
of this Agreement were not performed in accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction
or injunctions to prevent breaches or threatened breaches of this Agreement or to enforce specifically the performance of the terms and
provisions hereof (including the parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they
are entitled at law or in equity. Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance
that a remedy at law would be adequate and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining
equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>. Whenever possible, each provision or portion of any provision of this Agreement shall
be interpreted in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of
this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction,
such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction,
and this Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision
or portion thereof shall be interpreted to be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential Supervisory Information</U>. Notwithstanding any other provision of this Agreement,
no disclosure, representation or warranty shall be made (or other action taken) pursuant to this Agreement that would involve the disclosure
of confidential supervisory information (including confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and
as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and 12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement
to the extent prohibited by applicable law. To the extent legally permissible, appropriate substitute disclosures or actions shall be
made or taken under circumstances in which the limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15
 &#8239;&#8239;&#8239;</FONT><U>Delivery by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement
or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and
delivered by means of a facsimile machine or by e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner
and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original
signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of a facsimile
machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file to deliver a signature to this Agreement or any amendment hereto
or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail
delivery of a &ldquo;.pdf&rdquo; format data file as a defense to the formation of a contract and each party hereto forever waives any
such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16
 &#8239;&#8239;&#8239;&#8239;</FONT><U>Certain Definitions</U>. As used in this Agreement, the following terms have the meanings set
forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations and
warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party shall
only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the making
of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with damages
caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental Warranties</U>&rdquo;
means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2</U> (Capitalization);
<U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo; means
the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo; means
the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and other
indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo; means
any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse Effect</U>&rdquo;
means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities, results
of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause (i),
Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable regulatory
accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal savings associations
operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts or Governmental Entities,
(C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including the outbreak of war or
acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as changes in interest rates)
affecting depository institutions operating in the financial services industry generally in the United States, (D)&nbsp;changes, after
the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters, regardless of origin,
or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure of the execution
of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&rsquo;s
relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with the prior written
consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and of itself, to meet
earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline or failure may be
taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted by this proviso);
except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately adverse
to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations operating
in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability of Bank to
timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as receiver or
conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller Parent,
Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax Period</U>&rdquo;
means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such taxable period beginning
after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were
not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each
case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants
of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding
the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall be
calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax credits
or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available for
the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and (ii)&nbsp;actually
reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable and actually recovered
under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges, levies
or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever together
with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Blue Ocean Ventures, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Steven Hilton</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Steven Hilton</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Manager</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>tm2432285d1_ex10-3.htm
<DESCRIPTION>EXHIBIT 10.3
<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 10.3</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked by [***], has been omitted because the registrant
has determined that the information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CASTLE CREEK CAPITAL PARTNERS VIII CO-INVESTMENT
FUND C, LP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 82%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 3%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Castle Creek Capital Partners
VIII Co-Investment Fund C, LP, a Delaware limited partnership (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;),
is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI
</U>and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 691 shares of Bank Common Stock (representing 7.68% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 691 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $34,550,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Investor is a Delaware limited partnership duly organized, validly existing and in good standing under the laws of the State of Delaware.
Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business
as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing in
each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited partnership power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited partnership action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $7,680,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1.5in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Kurt K. Murao, Executive Vice President,</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">General Counsel, Chief Administrative Officer and</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Corporate Secretary</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"> kmurao@hei.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Castle Creek Capital Partners VIII Co-Investment Fund C,
LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11682
El Camino Real, Suite&nbsp;320</FONT><BR>
San Diego, CA 92130</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">555 California Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Suite&nbsp;2000</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817<BR>
San Francisco, CA 94104</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vijay Sekhon</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vsekhon@sidley.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
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    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.9in"><FONT STYLE="font-size: 10pt">Attention: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
                                                                                                                                                                                              </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Castle Creek Capital Partners VIII Co-Investment
    Fund C, LP</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ David Volk</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%">David Volk</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>Managing Principal</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, </TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">AMERICAN SAVINGS BANK, F.S.B.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%">&nbsp;</TD>
<TD STYLE="width: 3%">&nbsp;</TD>
<TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
<TD STYLE="width: 42%">Ann C. Teranishi</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
<TD>President and Chief Executive Officer</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>tm2432285d1_ex10-4.htm
<DESCRIPTION>EXHIBIT 10.4
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CASTLE CREEK CAPITAL PARTNERS VIII, LP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in; width: 15%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 82%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 3%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;I</B>
    INVESTMENT; CLOSING</TD>
    <TD STYLE="font-size: 10pt; text-align: right">1</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Investment</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Closing</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Investor Deliveries at Closing</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Deliveries at Closing</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Deliveries at Closing</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;1.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Withholding</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</TD>
    <TD STYLE="font-size: 10pt; text-align: right">3</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Organization</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Capitalization</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Authority; No Violation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Consents and Approvals</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Reports</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Financial Statements</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.7</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Broker&rsquo;s Fees</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.8</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Absence of Certain Changes or Events</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.9</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Legal and Regulatory Proceedings</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.10</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Taxes and Tax Returns</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.11</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Employee Benefits</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.12</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Compliance with Applicable Law</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">13</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.13</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Actions by Regulatory Agencies</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.14</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Environmental Matters</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.15</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Investment Securities</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.16</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Intellectual Property</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.17</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Loan Portfolio</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">17</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.18</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Insurance</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">17</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.19</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Risk Management Instruments</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">17</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.20</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No-Broker Dealers</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.21</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Intercompany Obligations</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.22</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Customer Relationships</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.23</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Shell Company Status</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.24</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No Disqualification Events</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.25</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Investors</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">19</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.26</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Material Contracts</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">19</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.27</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Real Property</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.28</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Sufficiency of Assets</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.29</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Critical Technologies</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;2.30</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No Other Representations or Warranties</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">22</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</TD>
    <TD STYLE="font-size: 10pt; text-align: right">22</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Organization</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">22</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Authority; No Violation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">22</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Consents and Approvals</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">23</TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in; width: 15%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 82%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 3%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Legal and Regulatory Proceedings</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">23</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Title to Bank Common Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Broker&rsquo;s Fees</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;3.7</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No Other Representations or Warranties</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</TD>
    <TD STYLE="font-size: 10pt; text-align: right">24</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Organization</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Authority; No Violation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">25</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Common Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">25</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Consents and Approvals</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Broker&rsquo;s Fees</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;4.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No Other Representations or Warranties</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;V</B>
    REPRESENTATIONS AND WARRANTIES OF INVESTOR</TD>
    <TD STYLE="font-size: 10pt; text-align: right">26</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Organization</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Authority; No Violation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Consents and Approvals</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Broker&rsquo;s Fees</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Investment Intent and Risk; Financial Capability</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">28</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Regulatory Matters</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.7</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tax Consequences</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.8</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Restrictions on Transferability</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;5.9</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">No Other Representations or Warranties</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;VI
    </B>COVENANTS</TD>
    <TD STYLE="font-size: 10pt; text-align: right">30</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;6.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Public Announcements</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;6.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Treatment of Equity Awards at Closing</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;6.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tax Matters</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;6.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Representation and Warranty Insurance Policy</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</TD>
    <TD STYLE="font-size: 10pt; text-align: right">32</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.1</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Indemnification</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">32</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.2</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Amendment; Waiver</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.3</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Further Assurances</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.4</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Expenses</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.5</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Notices</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.6</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Interpretation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.7</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Counterparts</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.8</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Entire Agreement</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.9</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Governing Law; Jurisdiction</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.10</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Waiver of Jury Trial</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.11</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Assignment; Third-Party Beneficiaries</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.12</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Specific Performance</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.13</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Severability</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.14</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Confidential Supervisory Information</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.15</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Delivery by Facsimile or Electronic Transmission</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">Section&nbsp;7.16</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Certain Definitions</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 50%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(g)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Castle Creek Capital Partners
VIII, LP, a Delaware limited partnership (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI
</U>and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 200 shares of Bank Common Stock (representing 2.22% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 200 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $10,000,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4 &#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Organization</U>.
Investor is a Delaware limited partnership duly organized, validly existing and in good standing under the laws of the State of Delaware.
Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business
as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing in
each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited partnership power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited partnership action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $2,220,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">(a)</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if to Seller Parent or Seller, to:</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Hawaiian Electric Industries,&nbsp;Inc</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1001 Bishop Street, Suite&nbsp;2900</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 12%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 73%"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: italic 10pt Times New Roman, Times, Serif">With a copy (which shall not constitute notice) to:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Sullivan&nbsp;&amp; Cromwell LLP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">125 Broad Street</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">New York, NY 10004</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&#8239;&#8239;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 12%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 73%">H. Rodgin Cohen</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Stephen M. Salley</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">cohenhr@sullcrom.com</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">salleys@sullcrom.com</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">(b)</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">if to Investor, to:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Castle Creek Capital Partners VIII, LP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">11682 El Camino Real, Suite&nbsp;320</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">San Diego, CA 92130</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: italic 10pt Times New Roman, Times, Serif">With a copy (which shall not constitute notice) to:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Sidley Austin LLP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">555 California Street</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Suite&nbsp;2000</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Honolulu, Hawaii 96817</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">San Francisco, CA 94104</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Vijay Sekhon</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Vsekhon@sidley.com</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">(c)</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">if to Bank, to:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">American Savings Bank, F.S.B.</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">300 North Beretania Street</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Honolulu, Hawaii 96817</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Mike Vieira, General Counsel</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: italic 10pt Times New Roman, Times, Serif">With a copy (which shall not constitute notice) to:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Davis Polk&nbsp;&amp; Wardwell LLP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">450 Lexington Avenue</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">New York, NY 10017</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&#8239;&#8239;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 12%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 73%">Margaret E. Tahyar</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">David L. Portilla</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">margaret.tahyar@davispolk.com</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">david.portilla@davispolk.com</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8 &#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16 &#8239;&#8239;&#8239;&#8239;&nbsp;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to
Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Castle Creek Capital Partners VIII, LP</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    David Volk</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">David Volk</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Principal</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated
                    in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.5
<SEQUENCE>6
<FILENAME>tm2432285d1_ex10-5.htm
<DESCRIPTION>EXHIBIT 10.5
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&#8239;&#8239;</P>

<P STYLE="font-weight: bold; text-align: right; margin: 0">Exhibit 10.5</P>

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>



<P STYLE="margin: 0">&#8239;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked by [***], has been omitted because the registrant
has determined that the information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CDI AMERICAN, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&#8239;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&#8239;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&#8239;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;I</B> INVESTMENT;
    CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;II</B> REPRESENTATIONS
    AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Capitalization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Reports.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Financial Statements.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Absence of Certain Changes or Events.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Legal and Regulatory Proceedings.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Taxes and Tax Returns.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Employee Benefits.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Compliance with Applicable Law.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Actions by Regulatory Agencies.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Environmental Matters.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment Securities.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Intellectual Property.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Portfolio.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Insurance.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Risk Management Instruments.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No-Broker Dealers.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Relationships.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Shell Company Status.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No Disqualification Events.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Other Investors.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Material Contracts.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Real Property.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Sufficiency of Assets.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Critical Technologies.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;III</B> REPRESENTATIONS
    AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT>2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">23</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Legal and Regulatory Proceedings.</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Title to Bank Common Stock.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;IV</B> REPRESENTATIONS
    AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Bank Common Stock.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;V</B> REPRESENTATIONS
    AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment Intent and Risk; Financial Capability.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;VI</B> COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Public Announcements.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Tax Matters.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&#8239;VII</B> GENERAL
    PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Indemnification.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Amendment; Waiver.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Expenses.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Notices.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Interpretation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Counterparts.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Entire Agreement.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Governing Law; Jurisdiction.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Waiver of Jury Trial.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Assignment; Third-Party Beneficiaries.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Specific Performance.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Severability.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Confidential Supervisory Information.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Delivery by Facsimile or Electronic Transmission.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section&#8239;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Certain Definitions.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">42</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 48%">Section 6.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right">Article II</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right">Section 2.6(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right">Section 2.27(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right">Section 2.28(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right">Section 2.13</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right">Section 7.9(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(g)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right">Section 2.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right">Section 2.21</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(e)</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 48%">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right">Section 2.9(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.17(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right">Section 2.26(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right">Section 2.9(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&#8239;16</FONT></TD>
    <TD STYLE="text-align: right">Section 2.23</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right">Section 6.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right">Section 7.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 1pt"><B>&#8239;</B></FONT></P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&#8239;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between CDI American, LLC, a Georgia
limited liability company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&#8239;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&#8239;1.5</U>, <U>Article&#8239;II</U>, <U>Article&#8239;VI</U> and <U>Article&#8239;VII</U>.
Hawaiian Electric Industries,&#8239;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&#8239;IV</U>, <U>Article&#8239;VI
</U>and <U>Article&#8239;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 600 shares of Bank Common Stock (representing 6.67% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&#8239;Investment&#8239;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&#8239;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&#8239;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 600 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $30,000,000 in cash (the &ldquo;<U>Purchase&#8239;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;the Purchase Price payable by Investor pursuant
to <U>Section&#8239;1.3(a)</U>&#8239;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&#8239;31, 2024, Seller will promptly, and in any event within two (2)&#8239;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&#8239;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&#8239;any
disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to qualify (1)&#8239;any other section of this
<U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other sections of this <U>Article&#8239;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&#8239;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or (ii)&#8239;subject to the
securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> and <U>Section&#8239;5.6</U>
with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&#8239;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.9&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.10&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as defined
in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&#8239;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code) during
the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method made
before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition made prior
to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&#8239;a
 &ldquo;closing agreement&rdquo; described in Section&#8239;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.11&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&#8239;430 of the Code, (iii)&#8239;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&#8239;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.12&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&#8239;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.13&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.14&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.15&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.16&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.17&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.18&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.19&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.20&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.21&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.22&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.23&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&ldquo;<U>Part&#8239;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.24&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through
(viii)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.25&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.26&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.27&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&#8239;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.28&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.29&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.30&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3
</U>and assuming the accuracy of <U>Section&#8239;5.5</U> and <U>Section&#8239;5.6</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&#8239;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.6</U> with respect to each Investor, (x)&#8239;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Investor is a Georgia limited liability company duly organized, validly existing and in good standing under the laws of the State of
Georgia. Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its
business as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Investor or (ii)&#8239;assuming that the consents and approvals referred to in <U>Section&#8239;5.3
</U>are duly obtained, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&#8239;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U> and <U>Article&#8239;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&#8239;144A of the Securities Act and used for
purposes of Part&#8239;16) or (ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment
Company Act and used for purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><BR></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&#8239;506(d)(1)(i)-(viii)&#8239;of the Securities Act and
used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.9&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&#8239;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable law
or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&#8239;5.01(b)&#8239;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof)
or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representations or
warranties in <U>Article&#8239;II</U> (other than <U>Section&#8239;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1</U>
or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&#8239;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&#8239;7.1(d)</U>,
(x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $6,670,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement. The cumulative
indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no event exceed the Purchase Price
and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)(i)</U>&#8239;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&#8239;7.1(a)(i)</U>&#8239;with respect to breach of a Fundamental Warranty, under <U>Section&#8239;7.1(a)(ii)</U>&#8239;or
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&#8239;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&#8239;Inc</FONT><BR>
1001 Bishop Street, Suite&#8239;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kurt
                                            K. Murao, Executive Vice President,</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.3in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General
Counsel, Chief Administrative Officer and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.3in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate
Secretary</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">kmurao@hei.com</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&#8239;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">H. Rodgin Cohen</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"></TD><TD STYLE="text-align: justify">Stephen M. Salley</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Email:</TD><TD STYLE="text-align: justify">cohenhr@sullcrom.com</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"></TD><TD STYLE="text-align: justify">salleys@sullcrom.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">CDI American, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">5565 Glenridge Connector, Suite&#8239;575<BR>
Atlanta, GA 30342</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Email:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Mike Vieira,
                                            General Counsel</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&#8239;&amp; Wardwell LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">450 Lexington Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Margaret E. Tahyar</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"></TD><TD STYLE="text-align: justify">David L. Portilla</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD>margaret.tahyar@davispolk.com</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.8in; text-align: left"></TD><TD STYLE="text-align: justify">david.portilla@davispolk.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &ldquo;made available&rdquo; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with the
SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&#8239;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&#8239;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.9&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.10&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.11&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.12&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.13&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.14&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.15&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.16&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1</U> (Organization), <U>Section&#8239;5.2(a)</U>&#8239;and
<U>Section&#8239;5.2(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&#8239;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&#8239;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the FDIC,
(e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U> (Consents
and Approvals) and <U>Section&#8239;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person (other than
Bank) for which Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&#8239;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&#8239;were not primarily related to Taxes and (II)&#8239;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&#8239;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement or <U>Article&#8239;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&#8239;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&#8239;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of
this Agreement or Section&#8239;5.06 of the Separation Agreement, (C)&#8239;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&#8239;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&#8239;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&#8239;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&#8239;any &ldquo;self-regulatory organization&rdquo; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&#8239;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment
Agreement</I>]</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CDI American, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;/s/
    David Zalik</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;David Zalik</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;President</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment
Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment
Agreement</I>]</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&#8239;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment
Agreement</I>]</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="margin: 0"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.6
<SEQUENCE>7
<FILENAME>tm2432285d1_ex10-6.htm
<DESCRIPTION>EXHIBIT 10.6
<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 10.6</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin-top: 0; margin-bottom: 0"><B><I>Execution Version</I></B></P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked
by [***], has been omitted because the registrant has determined that the information (i) is not material and (ii) is the type that the
registrant treats as private or confidential.</B></P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">between</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>CELTIC BANK CORPORATION</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%">1</TD>
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    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%">1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
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    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD>
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    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD>
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    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD>
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<P STYLE="margin: 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD>
    </TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI </B>COVENANTS</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">30</FONT></TD>
    </TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="width: 95%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD>
    </TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Celtic Bank Corporation, a Utah corporation (&ldquo;<U>Investor</U>&rdquo;),
and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank and
a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 788 shares of Bank Common Stock (representing 8.76% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 788 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $39,400,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#9;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#9;&#8239;&#8239;&nbsp;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#9;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#9;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#9;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#9;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#9;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#9;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#9;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#9;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#9;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#9;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#9;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#9;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#9;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#9;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#9;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#9;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#9;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#9;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#9;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#9;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.
Investor is a Utah corporation duly organized, validly existing and in good standing under the laws of the State of Utah. Investor has
the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is now
being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full corporate power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the consummation of
the Investment have been duly and validly approved by all necessary corporate action on the part of Investor. This Agreement and the
Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization, execution and delivery
by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in accordance with their
respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.9&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $8,760,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&nbsp;Inc<BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">125 Broad Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Celtic Bank Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">268 South State Street, Suite&nbsp;300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Salt Lake City, UT 84111</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Celtic Bank Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">268 South State Street, Suite&nbsp;300<BR>
Salt Lake City, UT 84111</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
                                                                                      <TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in"><FONT STYLE="font-size: 10pt">Email:</FONT></TD><TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
                                                                                                           </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#9;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#9;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#9;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#9;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#9;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#9;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#9;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#9;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ASB Hawaii,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">&#8239;&#8239;/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Celtic Bank Corporation</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">&#8239;&#8239;/s/ Reese S. Howell Jr.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Reese S. Howell Jr.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>CEO</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: justify">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">&#8239;&#8239;/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.7
<SEQUENCE>8
<FILENAME>tm2432285d1_ex10-7.htm
<DESCRIPTION>EXHIBIT 10.7
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.7&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Certain confidential
information contained in this document, marked by [***], has been omitted because the registrant has determined that the information
(i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>DAVIS PARTNERSHIP, L.P.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><B><U>Page</U></B></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-left: 7%; width: 20%"></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 7%"></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor
    Deliveries at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Deliveries at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Deliveries at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font:  10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    Statements</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence
    of Certain Changes or Events</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes
    and Tax Returns</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee
    Benefits</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance
    with Applicable Law</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions
    by Regulatory Agencies</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental
    Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    Securities</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual
    Property</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan
    Portfolio</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk
    Management Instruments</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker
    Dealers</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany
    Obligations</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer
    Relationships</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell
    Company Status</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Disqualification Events</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investors</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Contracts</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real
    Property</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency
    of Assets</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical
    Technologies</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font:  10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title
    to Bank Common Stock</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font:  10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Common Stock</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font:  10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Regulatory Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Consequences</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions
    on Transferability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public
    Announcements</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment
    of Equity Awards at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation
    and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment;
    Waiver</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further
    Assurances</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire
    Agreement</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing
    Law; Jurisdiction</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver
    of Jury Trial</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment;
    Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific
    Performance</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential
    Supervisory Information</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery
    by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
    Definitions</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Davis Partnership, L.P., a Delaware limited partnership
(&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank,
F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely
for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric
Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller
Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 891 shares of Bank Common Stock (representing 9.90% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 891 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $44,550,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Organization</U>.
Investor is a Delaware limited partnership duly organized, validly existing and in good standing under the laws of the State of Delaware.
Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business
as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing in
each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full limited partnership power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited partnership action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $9,900,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&nbsp;Inc<BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 15%; text-align: left">Attention:&#8239;&#8239;</TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif; text-align: left"><P STYLE="margin-top: 0; margin-bottom: 0">Kurt K. Murao, Executive Vice President,</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">General Counsel, Chief Administrative Officer and<BR> Corporate Secretary</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">kmurao@hei.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left; width: 15%">Attention:&#8239;&#8239;&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; text-align: left"><P STYLE="margin-top: 0; margin-bottom: 0">H. Rodgin Cohen</P>
                                                                                       <P STYLE="margin-top: 0; margin-bottom: 0">Stephen
M. Salley</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="margin-top: 0; margin-bottom: 0">cohenhr@sullcrom.com</P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0">salleys@sullcrom.com</P></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Partnership, L.P.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">3 Harbor Drive, Suite&nbsp;301<BR>
Sausalito, CA 94965</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 15%; text-align: left">Attention:</TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif; text-align: left">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Partnership, L.P.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">3 Harbor Drive, Suite&nbsp;301<BR>
Sausalito, CA 94965</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 15%">Attention:&#8239;</TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif; text-align: left">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email:&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Attention:&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email:&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 15%; text-align: left">Attention:&#8239;</TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif; text-align: left">Mike Vieira, General Counsel</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email:&#8239;&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 80%; margin-left: 1.5in">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 15%; text-align: left">Attention:&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; text-align: left">Margaret E. Tahyar<BR> David L. Portilla</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">margaret.tahyar@davispolk.com<BR> david.portilla@davispolk.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#8239;&#8239;&#8239;&nbsp;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&nbsp;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ASB Hawaii,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Davis Partnership, L.P.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2">Davis Asset Management, L.P.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Title:</TD>
    <TD STYLE="width: 42%">General Partner of Davis Partnership, L.P.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2">Davis Capital Partners, LLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>General Partner of Davis Asset Management, L.P.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Lansing Davis</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Lansing Davis</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Managing Member of Davis Capital Partners, LLC</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated
in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.8
<SEQUENCE>9
<FILENAME>tm2432285d1_ex10-8.htm
<DESCRIPTION>EXHIBIT 10.8
<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 10.8</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>Certain confidential information contained in this document, marked by [***], has been omitted because the registrant
has determined that the information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>GOLDEN PEAK SPV24 LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right">5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Golden Peak SPV24 LLC, a Delaware
limited liability company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI
</U>and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 600 shares of Bank Common Stock (representing 6.67% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 600 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $30,000,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Investor is a Delaware limited liability company duly organized, validly existing and in good standing under the laws of the State of
Delaware. Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its
business as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $6,670,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Golden Peak SPV24 LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">PO Box 1721<BR>
Ross, CA 94957</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Mike Vieira, General Counsel</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Margaret E. Tahyar</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
                                                                                                                                                                                                                                 </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 43; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Golden Peak SPV24 LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ John Esrey</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John Esrey</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Member</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 53 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive&#8239;Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 54 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

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<DOCUMENT>
<TYPE>EX-10.9
<SEQUENCE>10
<FILENAME>tm2432285d1_ex10-9.htm
<DESCRIPTION>EXHIBIT 10.9
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.9</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>JCSD BISHOP, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Page</U></B></FONT></P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="3">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">&nbsp;</TD>
<TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
<TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
<TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="3">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="3">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>


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<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
<TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(g)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
<TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
<TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between JCSD Bishop, LLC, a Delaware
limited liability company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;).
American Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party
to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI
</U>and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 891 shares of Bank Common Stock (representing 9.90% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 891 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $44,550,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Investor is a Delaware limited liability company duly organized, validly existing and in good standing under the laws of the State of
Delaware. Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its
business as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $9,900,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">(a)</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;if to Seller Parent or Seller,
    to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Hawaiian Electric Industries,&nbsp;Inc</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1001 Bishop Street, Suite&nbsp;2900</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and&#8239;Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">With a copy (which shall not
    constitute notice) to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sullivan&nbsp;&amp; Cromwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">125 Broad Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">New York, NY 10004</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if to Investor, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">JCSD Bishop, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1981 N. Broadway Blvd, Suite&nbsp;270</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Walnut Creek, CA 94596-3886</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if to Bank, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">American Savings Bank, F.S.B.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">300 North Beretania Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96817</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">With a copy (which shall not
    constitute notice) to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Davis Polk&nbsp;&amp; Wardwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">450 Lexington Avenue</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">New York, NY 10017</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to
Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">JCSD Bishop, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;/s/
Jeffrey Miller</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%">&nbsp;</TD>
<TD STYLE="width: 3%">&nbsp;</TD>
<TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
<TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jeffrey Miller</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
<TD>Partner of the Manager, JCSD Capital, LLC</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT STYLE="font-size: 10pt">solely for purposes of the sections enumerated in the preamble,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT STYLE="font-size: 10pt">AMERICAN SAVINGS BANK, F.S.B.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
<TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
<TD><FONT STYLE="font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to
Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.10
<SEQUENCE>11
<FILENAME>tm2432285d1_ex10-10.htm
<DESCRIPTION>EXHIBIT 10.10
<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 10.10</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STRATEGIC VALUE INVESTORS LP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT> </TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 75%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right">30</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right">32</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

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<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Strategic Value Investors LP, a Delaware limited partnership
(&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank,
F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely
for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric
Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller
Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 891 shares of Bank Common Stock (representing 9.90% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 891 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $44,550,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Investor is a Delaware limited partnership duly organized, validly existing and in good standing under the laws of the State of Delaware.
Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business
as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing in
each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full limited partnership power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited partnership action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $9,900,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(a)</TD><TD STYLE="text-align: justify">if to Seller Parent or
                                            Seller, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&nbsp;Inc<BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 1.5in">&nbsp;</TD>
  <TD STYLE="text-align: left; width: 0.9in">Attention:</TD>
  <TD>Kurt K. Murao, Executive Vice President,<BR> General Counsel, Chief Administrative Officer and<BR> Corporate Secretary</TD></TR>

<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">kmurao@hei.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">H. Rodgin Cohen<BR>
                                            Stephen M. Salley</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">cohenhr@sullcrom.com<BR>
                                            salleys@sullcrom.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(b)</TD><TD STYLE="text-align: justify">if to Investor, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Strategic Value Investors LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">127 Public Square Suite&nbsp;1510<BR>
Cleveland, OH 44114</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Amundsen Davis LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">201 North Illinois Street, Suite&nbsp;1400<BR>
Capital Center, South Tower<BR>
Indianapolis,&nbsp;Indiana 46204</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">John W. Tanselle,&nbsp;Esq.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">jtanselle@amundsendavislaw.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(c)</TD><TD STYLE="text-align: justify">if to Bank, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Mike Vieira,
                                            General Counsel</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Margaret E. Tahyar<BR>
                                            David L. Portilla</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in">Email:</TD><TD>margaret.tahyar@davispolk.com</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>david.portilla@davispolk.com</TD></TR>
                                                                                                             </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ASB Hawaii,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to
Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Strategic Value Investors LP</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Michael Shay</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Michael Shay</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Investment Operations Manager</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 39%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 41%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.11
<SEQUENCE>12
<FILENAME>tm2432285d1_ex10-11.htm
<DESCRIPTION>EXHIBIT 10.11
<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 10.11</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>POMEGRANATE FUNDING, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT>1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">De Minimis Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(g)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Pomegranate Funding, LLC, a Delaware limited liability
company (&ldquo;<U>Investor</U>&rdquo;), and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings
Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian
Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller
Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 788 shares of Bank Common Stock (representing 8.76% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 788 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $39,400,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;the Purchase Price payable by Investor pursuant
to <U>Section&nbsp;1.3(a)</U>&nbsp;of this Agreement and each Purchase Price (as defined in the applicable Other Investment Agreement)
required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements. If the Closing does not occur by
11:59 p.m., Honolulu, Hawaii time on December&nbsp;31, 2024, Seller will promptly, and in any event within two (2)&nbsp;business days
after receiving wire instructions from Investor, return the Purchase Price to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase Price by wire transfer of immediately available funds
to one or more accounts (which shall be designated in writing (including the contact information for an individual to verbally confirm
such wire instructions) by Seller to Investor no later than one (1)&nbsp;business days prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary for the consummation of
the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part
of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other
Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Bank
has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement (and which Other
Investment Agreement does not establish rights or benefits for such Other Investor that are more favorable to such Other Investor in
any respect than the rights and benefits established in favor of Investor by this Agreement). Other than the Stockholders Agreement,
Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides such Other Investor more
favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.5</U> and <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.6</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.6
</U>with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent
in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and
the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Investor is a Delaware limited liability company duly organized, validly existing and in good standing under the laws of the State of
Delaware. Investor has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its
business as it is now being conducted in all material respects. Investor is duly licensed or qualified to do business and in good standing
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned,
leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified
or to be in good standing would not, either individually or in the aggregate, have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full limited liability company power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate
the transactions contemplated hereby and thereby. The execution and delivery of this Agreement and the Stockholders Agreement and the
consummation of the Investment have been duly and validly approved by all necessary limited liability company action on the part of Investor.
This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor and (assuming due authorization,
execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor, enforceable against Investor in
accordance with their respective terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Investor or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;5.3
</U>are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction
applicable to Investor or any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict with,
result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse
of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate
the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Investor or any
of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Investor or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations,
conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that either individually or in the aggregate would
not have a Material Adverse Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Neither Investor nor its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder or
financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Investment
or related transactions contemplated by this Agreement, except for any fees which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;a &ldquo;qualified institutional buyer&rdquo; (as that term is defined in Rule&nbsp;144A of the Securities Act and used for
purposes of Part&nbsp;16) or (ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment
Company Act and used for purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has not communicated with any Other Investor in the evaluation of the transactions contemplated by this Agreement, an Other Investment
or in any other investment in Seller Parent, Seller or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates, nor any of their respective officers, directors, employees, agents, partners or members,
is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of the Securities Act and
used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
shall have at the Closing immediately available funds necessary to consummate the Closing on the terms and conditions contemplated by
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor, its Subsidiaries or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or
warranties, and Seller and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor
any other person makes or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives
with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to Investor, any of
its Subsidiaries or their respective businesses or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>,
any oral or written information presented to Seller, Bank or any of their respective affiliates or representatives in the course of their
due diligence investigation of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representations or
warranties in <U>Article&nbsp;II</U> (other than <U>Section&nbsp;2.10</U>), any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $8,760,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;(other than with respect to a breach of any Fundamental Warranty) shall be satisfied by
Seller Parent only to the extent of any actual recovery by Seller Parent from the R&amp;W Insurance Policy, except in the case of Actual
Fraud. Subject to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for
indemnification made under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;with respect to breach of a Fundamental Warranty, under <U>Section&nbsp;7.1(a)(ii)</U>&nbsp;or
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in Section&nbsp;7.1(l), no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(a)</TD><TD STYLE="text-align: justify">if to Seller Parent or
                                            Seller, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&nbsp;Inc<BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Kurt K. Murao,
                                            Executive Vice President,<BR> General Counsel, Chief Administrative Officer and<BR> Corporate
                                            Secretary</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">kmurao@hei.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">H. Rodgin Cohen&nbsp;<BR>
                                            Stephen M. Salley</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">cohenhr@sullcrom.com
                                            <BR>
                                            salleys@sullcrom.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(b)</TD><TD STYLE="text-align: justify">if to Investor, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Pomegranate Funding, LLC&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">c/o Farallon Capital Management, L.L.C.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">One Maritime Plaza, Suite&nbsp;2100<BR>
San Francisco, CA 94111</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(c)</TD><TD STYLE="text-align: justify">if to Bank, to:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Mike Vieira,
                                            General Counsel</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Margaret E. Tahyar<BR>
                                            David L. Portilla</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.9in">Email:</TD><TD>margaret.tahyar@davispolk.com</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>david.portilla@davispolk.com</TD></TR>
                                                                                                             </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate of Investor without the prior written consent of the other parties hereto. Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto
any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth in this Agreement. The
representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit
of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith
without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent
an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties
hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto; <U>provided</U>, that such actual and intentional fraud of such party
shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to the
making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be, with
damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1</U> (Organization), <U>Section&nbsp;5.2(a)</U>&nbsp;and
<U>Section&nbsp;5.2(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.4</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ASB Hawaii,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 40%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 52 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Pomegranate Funding, LLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Rajiv A. Patel</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 40%">Rajiv A. Patel</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Authorized Signatory</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 53 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 39%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 54 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">Name:</TD>
    <TD STYLE="width: 41%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.12
<SEQUENCE>13
<FILENAME>tm2432285d1_ex10-12.htm
<DESCRIPTION>EXHIBIT 10.12
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><B>Exhibit 10.12</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that
the information (i) is not material and (ii) is the type that the registrant treats as private or confidential.&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THE ANN C. TERANISHI REVOCABLE TRUST</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article I
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">INVEST</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">MENT;
    CLOSING</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="padding-right: 5pt; width: 10%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article II
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">REPRESE</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">NTATIONS
    AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker</FONT>&rsquo;<FONT STYLE="font-family: Times New Roman, Times, Serif">s
Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article III
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker</FONT>&rsquo;<FONT STYLE="font-family: Times New Roman, Times, Serif">s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article IV
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker</FONT>&rsquo;<FONT STYLE="font-family: Times New Roman, Times, Serif">s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article V
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker</FONT>&rsquo;<FONT STYLE="font-family: Times New Roman, Times, Serif">s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VI
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">COVENANTS</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VII
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="width: 20%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="width: 20%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between the Ann C. Teranishi Revocable
Trust (&ldquo;<U>Investor</U>&rdquo;) and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings
Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian
Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller
Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 77%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">(a)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">if to Seller Parent or Seller, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Hawaiian Electric Industries, Inc</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">1001 Bishop Street, Suite 2900</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 13%"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 77%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Sullivan &amp; Cromwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">125 Broad Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">New York, NY 10004</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 13%"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">if to Investor, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">300 N. Beretania St.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, HI 96817</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD>[***]</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;</FONT><FONT STYLE="font-size: 10pt">if to Bank, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">American Savings Bank, F.S.B.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">300 North Beretania Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96817</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Davis Polk &amp; Wardwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">450 Lexington Avenue</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">New York, NY 10017</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section 5.1(a)</U>&nbsp;(Authority; No Violation); and
<U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">ASB&nbsp;Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap"><FONT STYLE="font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 5%"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 40%"><FONT STYLE="font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Ann C. Teranishi Revocable Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap"><FONT STYLE="font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 5%"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 38%"><FONT STYLE="font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Trustee</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated
in the preamble,</P>
                    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
                    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann
    C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.13
<SEQUENCE>14
<FILENAME>tm2432285d1_ex10-13.htm
<DESCRIPTION>EXHIBIT 10.13
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.13</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>DANIELLE AIU</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Page</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE I</B> INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="padding-right: 5pt; width: 5%; text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE II</B> REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE III</B> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE IV</B> REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE V</B> REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE VI</B> COVENANTS</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE VII</B> GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="padding-right: 5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Danielle Aiu (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller Parent directly owns 100% of the issued and
outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued and outstanding shares of common stock of
Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 4 shares of Bank Common Stock (representing 0.04% of the issued
and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 4 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $200,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $40,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">salleys@sullcrom.com</TD></TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Danielle Aiu</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Danielle Aiu</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira,
General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section 5.1(a)</U>&nbsp;(Authority; No Violation); and
<U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 41%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Danielle Aiu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 41%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Danielle Aiu</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated in the preamble,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">AMERICAN SAVINGS BANK, F.S.B.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 41%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated in the<BR>
preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 41%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.14
<SEQUENCE>15
<FILENAME>tm2432285d1_ex10-14.htm
<DESCRIPTION>EXHIBIT 10.14
<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 10.14</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THE ANTHONY MIZUNO REVOCABLE TRUST</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between the Anthony Mizuno Revocable
Trust (&ldquo;<U>Investor</U>&rdquo;) and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings
Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian
Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller
Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 4 shares of Bank Common Stock (representing 0.04% of the issued
and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 4 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $200,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $40,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Anthony Mizuno</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Anthony Mizuno</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
                                                                                                                                                                                              </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section 5.1(a)</U>&nbsp;(Authority; No Violation); and
<U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 51 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony Mizuno Revocable Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Anthony Mizuno </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony
    Mizuno </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3"><P STYLE="margin-top: 0; margin-bottom: 0">solely for purposes of the sections enumerated in the preamble,</P>
                <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                <P STYLE="margin-top: 0; margin-bottom: 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%">&nbsp;</TD>
<TD STYLE="width: 3%">&nbsp;</TD>
<TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
<TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
<TD>President and Chief Executive Officer</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-10.15
<SEQUENCE>16
<FILENAME>tm2432285d1_ex10-15.htm
<DESCRIPTION>EXHIBIT 10.15
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.15</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certain confidential information contained
in this document, marked by [***], has been omitted because the registrant has determined that the information (i) is not material and
(ii) is the type that the registrant treats as private or confidential.&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STEVEN NAKAHARA</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 80%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Page</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I</B> INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II</B> REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III</B> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV</B> REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V</B> REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI</B> COVENANTS</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII</B> GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Steven Nakahara (&ldquo;<U>Investor</U>&rdquo;) and
ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank and a
wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 4 shares of Bank Common Stock (representing 0.04% of
the issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 4 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $200,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0.5in; text-indent: 0in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $40,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(a)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">if to Seller Parent or Seller, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Hawaiian Electric Industries,&nbsp;Inc</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">1001 Bishop Street, Suite&nbsp;2900</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1in">&nbsp;</TD>
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD STYLE="width: 0.75in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Kurt K. Murao, Executive Vice President,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer and Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Sullivan&nbsp;&amp; Cromwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">125 Broad Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">New York, NY 10004</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">if to Investor, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Steven Nakahara</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">300 N. Beretania St.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, HI 96817</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Steven Nakahara</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD>[***]</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">if to Bank, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">American Savings Bank, F.S.B.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">300 North Beretania Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Honolulu, Hawaii 96817</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Davis Polk&nbsp;&amp; Wardwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">450 Lexington Avenue</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">New York, NY 10017</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Email: </FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1in">&nbsp;</TD>
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental Warranties</U>&rdquo;
means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2</U> (Capitalization);
<U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo; means
the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo; means
the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and other
indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1(a)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo; means
any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse Effect</U>&rdquo;
means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities, results
of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause (i),
Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable regulatory
accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal savings associations
operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts or Governmental Entities,
(C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including the outbreak of war or
acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as changes in interest rates)
affecting depository institutions operating in the financial services industry generally in the United States, (D)&nbsp;changes, after
the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters, regardless of origin,
or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure of the execution
of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&rsquo;s
relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with the prior written
consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and of itself, to meet
earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline or failure may be
taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted by this proviso);
except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately adverse
to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations operating
in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability of Bank to
timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as receiver or
conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller Parent,
Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax Period</U>&rdquo;
means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such taxable period beginning
after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior to
the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall be
calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax credits
or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available for
the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and (ii)&nbsp;actually
reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable and actually recovered
under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges, levies
or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever together
with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%; font-size: 10pt">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt">Chairman</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Investment
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt">/s/ Steven Nakahara</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%">Steven Nakahara</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Investment
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated in the preamble,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">AMERICAN SAVINGS BANK, F.S.B.</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President and Chief Executive&#8239;Officer</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Investment
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt">President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Investment
Agreement]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.16
<SEQUENCE>17
<FILENAME>tm2432285d1_ex10-16.htm
<DESCRIPTION>EXHIBIT 10.16
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="text-align: right; margin: 0; font-size: 10pt"><B>Exhibit 10.16</B></P>

<P STYLE="margin: 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt; color: Black"><I>Execution Version</I></FONT></P>

<P STYLE="margin: 0; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt; color: Black"><I>&nbsp;</I></FONT></P>

<P STYLE="margin-top: 0; margin-bottom: 0; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></FONT></P>

<P STYLE="margin: 0; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>INVESTMENT
AGREEMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">between</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>THE
NATALIE M.H. TANIGUCHI REVOCABLE LIVING TRUST</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>ASB
HAWAII,&nbsp;INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">and
solely for the purposes of the sections enumerated in the preamble below,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>AMERICAN
SAVINGS BANK, F.S.B.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>HAWAIIAN
ELECTRIC INDUSTRIES,&nbsp;INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">December&nbsp;30,
2024</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>TABLE
OF CONTENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 75%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 10%"><FONT STYLE="font-size: 10pt"><B><U>Page</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article I</B> INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article II</B> REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article III</B> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article IV</B> REPRESENTATIONS AND WARRANTIES OF SELLER
    PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article V</B> REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article VI</B> COVENANTS</FONT></TD>
    <TD STYLE="text-align: right">29</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>Article VII</B> GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">41</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><B>INDEX
OF DEFINED TERMS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 51%"><FONT STYLE="font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 49%"><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 51%"><FONT STYLE="font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 49%"><FONT STYLE="font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>INVESTMENT
AGREEMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black"><B>INVESTMENT
AGREEMENT</B>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between the Natalie M.H. Taniguchi Revocable
Living Trust (&ldquo;<U>Investor</U>&rdquo;) and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American
Savings Bank, F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this
Agreement solely for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.
Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank,
 &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI
</U>and <U>Article&nbsp;VII</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black"><B>RECITALS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black"><B>NOW</B>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">Except
as disclosed in the letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it
being understood that (a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would
not result in the related representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the
Bank Disclosure Letter as an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents
a material exception or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect
to Bank and (c)&nbsp;any disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any
other section of this <U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II
</U>to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of
the disclosure that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning
Bank; it being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning
Seller or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Subject
to <U>Section&nbsp;7.14</U>:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; color: Black">Nothing
in this <U>Section&nbsp;2.10 </U>or otherwise in this Agreement shall be construed as a representation or warranty with respect to the
amount, value or availability in any Post-Closing Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other
Tax asset or attribute of Bank. It is agreed and understood that no representation or warranty is made by Seller, Bank or their affiliates
in respect of Tax matters in any section of this Agreement, other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; color: Black">Each
contract, arrangement, commitment or understanding of the type described in this Section&nbsp;2.26(a), whether or not set forth in the
Bank Disclosure Letter, is referred to herein as a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true,
correct and complete copies of each Material Contract in effect as of the date hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">Seller
hereby represents and warrants to Investor as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3</U>&nbsp;and
assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any law,
statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">Seller
Parent hereby represents and warrants to Investor as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">Investor
hereby represents and warrants to each of Seller Parent, Seller and Bank as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>COVENANTS</U></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B>Article&nbsp;VII</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase; color: Black"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Seller Parent or Seller, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian Electric Industries, Inc</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1001 Bishop Street, Suite 2900</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kurt K. Murao, Executive Vice President, </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Counsel, Chief Administrative Officer and </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Secretary </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 85%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 85%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sullivan&nbsp;&amp; Cromwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">125 Broad Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New York, NY 10004</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Investor, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Natalie M.H. Taniguchi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">300 N. Beretania St.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Honolulu, HI 96817</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Natalie M.H. Taniguchi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD>[***]</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Bank, to:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">American Savings Bank, F.S.B.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">300 North Beretania Street</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Honolulu, Hawaii 96817</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mike Vieira, General Counsel</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">mvieira@asbhawaii.com</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Davis Polk&nbsp;&amp; Wardwell LLP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">450 Lexington Avenue</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New York, NY 10017</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">David L. Portilla</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Actual
Fraud</U>&rdquo; shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law
for its actual and intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its
representations and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional
fraud of such party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact
with respect to the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as
the case may be, with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common
law fraud under applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Anti-Corruption
Laws</U>&rdquo; means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery
of Foreign Public Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable
law of any jurisdiction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Bank
Fundamental Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>BHC
Act</U>&rdquo; means the Bank Holding Company Act of 1956.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Code</U>&rdquo;
means the Internal Revenue Code of 1986, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Constituent
Documents</U>&rdquo; means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational
documents of other entities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Environmental
Laws</U>&rdquo; means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement
relating to: (a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure
or natural resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous
substance or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure
to any hazardous substance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>FCPA</U>&rdquo;
means the U.S. Foreign Corrupt Practices Act of 1977.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>FDIC</U>&rdquo;
means the Federal Deposit Insurance Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Federal
Reserve Board</U>&rdquo; means the Board of Governors of the Federal Reserve System.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Fundamental
Warranty</U>&rdquo; means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor
Fundamental Warranty.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>GAAP</U>&rdquo;
means U.S. generally accepted accounting principles as in effect from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Governmental
Entity</U>&rdquo; means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator,
administrative agency, commission or SRO.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Home
Owners&rsquo; Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Intellectual
Property</U>&rdquo; means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all
trademarks, service marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks,
trade dress and other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction
of, and applications in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration
or application; (ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for
patents (including divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals,
extensions or reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes,
technologies, protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure
thereof by any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works,
in any jurisdiction; and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions
thereof; and (v)&nbsp;any similar intellectual property or proprietary rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Investor
Fundamental Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U> (Authority; No Violation);
and <U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Material
Adverse Effect</U>&rdquo; means,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>OCC</U>&rdquo;
means Office of the Comptroller of the Currency.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Permitted
Encumbrances</U>&rdquo; means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable
or which are being contested in good faith by appropriate proceedings and for which adequate reserves have been established in accordance
with GAAP, (iii)&nbsp;easements, rights of way, and other similar encumbrances that do not materially affect the value or use of the
properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such
imperfections or irregularities of title or Liens as do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted
with respect to Intellectual Property.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Post-Closing
Tax Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of
such taxable period beginning after the Closing Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Pre-Closing
Tax Period</U>&rdquo; means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion
of such taxable period ending on and including the Closing Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Regulatory
Agencies</U>&rdquo; means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board,
(d)&nbsp;the FDIC, (e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and
(h)&nbsp;any SRO.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>SEC</U>&rdquo;
means the Securities and Exchange Commission.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Seller
Consolidated Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the
common parent of which is Seller (or Seller&rsquo;s direct or indirect parent).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Seller
Fundamental Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Seller
Parent Fundamental Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization),
<U>Section&nbsp;4.2(a)</U>&nbsp;and <U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common
Stock) <U>Section&nbsp;4.4</U> (Consents and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were
not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in
each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any
covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement.
Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement,
(B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this
Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>SRO</U>&rdquo;
means (x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any
other United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Straddle
Period</U>&rdquo; means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Tax</U>&rdquo;
or &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains,
property, capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties,
excise, windfall profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other
taxes, charges, levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority
whatsoever together with all penalties and additions to tax and interest thereon.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Taxing
Authority</U>&rdquo; means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes
(whether domestic or foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including
a United States possession)).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Tax
Return</U>&rdquo; means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including
any schedule or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Transfer
Taxes</U>&rdquo; means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including
any penalties and interest) payable in connection with the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&ldquo;<U>Treasury
Regulations</U>&rdquo; means the United States Treasury regulations promulgated under the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">[<I>Signature
Pages&nbsp;Follow</I>]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized
as of the date first above written.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">ASB
    Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 3%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Chairman</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">[Signature
Page to Investment Agreement]&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt; color: Black">Natalie
                                            M.H. Taniguchi Revocable Living Trust</FONT></P></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">/s/
    Natalie M.H. Taniguchi </FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 3%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Natalie
    M.H. Taniguchi </FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Trustee</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">[<I>Signature
Page&nbsp;to Investment Agreement</I>]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="font-size: 10pt; vertical-align: top"><TD STYLE="font-size: 10pt"></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt; color: Black">solely
                                            for purposes of the sections enumerated in the preamble,</FONT></P></TD>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">AMERICAN SAVINGS BANK, F.S.B.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 3%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Ann
    C. Teranishi</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">President and Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">[<I>Signature
Page&nbsp;to Investment Agreement</I>]</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="font-size: 10pt; vertical-align: top"><TD STYLE="font-size: 10pt"></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">solely
                                            for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></P></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 3%"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Scott
    Seu</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Black">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: Black">President &amp; Chief Executive Officer</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt; color: Black">[<I>Signature
Page&nbsp;to Investment Agreement</I>]</FONT></P>

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<DOCUMENT>
<TYPE>EX-10.17
<SEQUENCE>18
<FILENAME>tm2432285d1_ex10-17.htm
<DESCRIPTION>EXHIBIT 10.17
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin-top: 0; margin-bottom: 0"><B>Exhibit 10.17</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>DANE ALAIN TERUYA</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="width: 78%">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Page</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%; padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="width: 78%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 75%; padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010
    Equity Plan</FONT></TD>
    <TD STYLE="width: 25%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual
    Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption
    Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC
    Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business
    day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen
    Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim
    Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing
    Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent
    Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct
    Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification
    Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability
    Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental
    Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange
    Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing
    Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental
    Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental
    Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified
    Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying
    Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual
    Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany
    Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer
    Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT
    Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->iii<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 75%; padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    Proceeding</FONT></TD>
    <TD STYLE="width: 25%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made
    available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer
    Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing
    Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part
    16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted
    Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing
    Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing
    Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased
    Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W
    Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory
    Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response
    Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned
    Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
    Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security
    Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation
    Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders
    Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle
    Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing
    Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third
    Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction
    Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer
    Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury
    Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Dane Alain Teruya (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&#8239;Investment&#8239;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&#8239;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&#8239;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&#8239;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&#8239;28, 2025,&#8239;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the
related representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the Bank Disclosure Letter
as an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&#8239;any
disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to qualify (1)&#8239;any other section of
this <U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other sections of this <U>Article&#8239;II</U>
to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the
disclosure that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning
Bank; it being understood that, without limiting <U>Section&#8239;7.1(i)</U>, Bank shall have no liability for representations concerning
Seller or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders
Agreement by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any
of the terms or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or
(ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.4</U>
and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation,
judgment, order, writ, decree or injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict
with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice
or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation
under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties or assets of Bank
under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement
or other instrument or obligation to which Bank is a party, or by which it or its properties or assets may be bound, except (in the
case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations,
cancellations, accelerations or creations that, either individually or in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any
report or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal
disagreements or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which
would adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable
financial statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant
role in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&#8239;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will
be paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.9&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.10&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as
defined in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered
into in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&#8239;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo;
(within the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment
under Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code)
during the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method
made before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition
made prior to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of
business), (iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502
(or any corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing
or (v)&#8239;a &ldquo;closing agreement&rdquo; described in Section&#8239;7121 of the Code (or any corresponding provision of state,
local or non-U.S. income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or
otherwise in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any
Post-Closing Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is
agreed and understood that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any
section of this Agreement, other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.11&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related
trust, which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge
of Seller, there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the
qualified status of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&#8239;430 of the Code,
(iii)&#8239;the present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding
purposes in the most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan,
did not, as of its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable
to such accrued benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day
notice requirement has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&#8239;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has,
at any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo;
within the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank
ERISA Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete
or partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer
Plan except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.12&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&#8239;the USA PATRIOT
Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the
Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful
entertainment or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental
officials or employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision
that would result in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies
or other assets of Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful
rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless
of form, whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for
Bank, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently
subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department,
except, in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty
with respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in
compliance with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge
of Bank, any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice
of any violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under
investigation with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.13&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.14&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.15&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.16&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates
or is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source
code upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.17&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.18&#9;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.19&#9;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.20&#9;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.21&#9;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.22&#9;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with
the terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable
laws and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth
management customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties,
and each such contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited
by the Enforceability Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed
in all material respects their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in
material compliance with each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees
has committed any material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance
or wealth management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material
dispute with, or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty
or otherwise in connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.23&#9;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&ldquo;<U>Part&#8239;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.24&#9;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through
(viii)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities
disclosure rules&#8239;in Part&#8239;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject
to a Disqualification Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.25&#9;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.26&#9;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or
material indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness
of any other person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.27&#9;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being
owned by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary
course of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and
(ii)&#8239;is the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases
that have expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the
exclusive right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as
would not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.28&#9;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.29&#9;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.30&#9;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3
</U>and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a
default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or
a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed
of trust, license, lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank,
(ii)&#8239;that would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity
or propriety of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will
be paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of
its properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under,
constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination
of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon
any of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will
be paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&#8239;5.2</U> are duly obtained, (x)&#8239;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered
under the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being
provided with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has
had the opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided
a reasonable opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent
Investor deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice
as it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased
Shares. Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U>
and <U>Article&#8239;IV </U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any
of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&#8239;16)
or (ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment Company Act and used
for purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred
or resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate,
if any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal
or state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed
by this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with
a view to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement,
undertaking, arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or
otherwise dispose of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of
the Securities Act, Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any
other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&#8239;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither
Investor nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in
Rule&#8239;506(d)(1)(i)-(viii)&#8239;of the Securities Act and used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&#8239;28, 2025,&#8239;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby
will not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten
percent (10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank
Control Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may
not be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable
law or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject,
in which case the party required to make the release or announcement shall consult with the other parties about, and allow the other
parties reasonable time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements
or statements that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance
with this <U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the
transactions contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos
in any press release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax
Return for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer
pricing policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate
any voluntary disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend
or revoke any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other
than as contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would
be reasonably expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any
Pre-Closing Tax Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase
would correspondingly increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under
Section&#8239;5.01(b)&#8239;of the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on
the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof) or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated
Group or Bank in respect of any Pre-Closing Tax Period to the extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights
or obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.1&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&#8239;any Seller Fundamental Warranties or Seller Parent
Fundamental Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1
</U>or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &ldquo;<U>Third Party
Claim</U>&rdquo;), the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party
Claim of which it has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim
Notice shall (i)&#8239;describe such Third Party Claim in reasonable detail (including the identity of the applicable third party, the
facts underlying each particular claim and an identification of all the particular sections herein pursuant to which indemnification
is and will be being sought) to the extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third
Party Claim is based (to the extent that such written evidence or demand is not reasonably available at such time, the Indemnified Party
shall so indicate and promptly provide such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken
down by each individual claim) for which the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall
have the right but not the obligation to assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>)
day after its receipt of such Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>,
the Indemnifying Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim
and any action, suit, claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the
Indemnifying Party&rsquo;s sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the
Indemnified Party will have the right, but not the obligation, to participate in any such defense and to employ separate counsel of its
choosing at its own expense; <U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential
conflict of interest (other than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying
Party and the Indemnified Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket
and documented fees, costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying
Party shall only be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect
to any single action or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable
jurisdiction). If the Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced
in this <U>Section&#8239;7.1(d)</U>, (x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying
Party will have the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing
at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement. The
cumulative indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no event exceed the
Purchase Price and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller
Parent from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded,
thereafter from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W
Insurance Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy
until the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts
to promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can
be brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice
of a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided
prior to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold
harmless in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything
to the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1
</U>shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&#8239;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to
use commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit
to the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and
that Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation
Agreement shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state
and local Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller
Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the
applicable statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>)
anniversary of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor
shall any claim be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein,
all covenants and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII
</U>(which shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the
Closing Date (or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was
provided prior to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.2&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.3&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.4&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.5&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 11%">&#8239;</TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Seller Parent or Seller, to:</FONT></TD>
    <TD STYLE="width: 37%">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian Electric Industries, Inc</FONT></TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1001 Bishop Street, Suite 2900</FONT></TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Honolulu, Hawaii 96813</FONT></TD>
    <TD>&#8239;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%">&#8239;</TD>
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kurt K. Murao, Executive Vice President, </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Counsel, Chief Administrative Officer and </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Secretary </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 11%"></TD>
    <TD STYLE="width: 6%"></TD>
    <TD STYLE="width: 46%">Sullivan&#8239;&amp; Cromwell LLP</TD>
    <TD STYLE="width: 37%">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>125 Broad Street</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New York, NY 10004</FONT></TD>
    <TD>&#8239;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 17%"></TD>
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">H. Rodgin Cohen </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>Email:</TD>
    <TD>cohenhr@sullcrom.com</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD></TD>
    <TD>salleys@sullcrom.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 11%">&#8239;</TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Investor, to:</FONT></TD>
    <TD STYLE="width: 37%">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Dane Alain Teruya</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>300 N. Beretania St.</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Honolulu, HI 96817</TD>
    <TD>&#8239;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%">&#8239;</TD>
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD>Dane Alain Teruya</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD>[***]</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 11%">&#8239;</TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if to Bank, to:</FONT></TD>
    <TD STYLE="width: 37%">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>American Savings Bank, F.S.B.</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>300 North Beretania Street</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Honolulu, Hawaii 96817</TD>
    <TD>&#8239;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%">&#8239;</TD>
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD>Mike Vieira, General Counsel </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD>mvieira@asbhawaii.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: bottom"><TD STYLE="width: 11%"></TD>
    <TD STYLE="width: 6%"></TD>
    <TD STYLE="width: 46%">Davis Polk&#8239;&amp; Wardwell LLP</TD>
    <TD STYLE="width: 37%">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>450 Lexington Avenue</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>New York, NY 10017</TD>
    <TD>&#8239;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 17%">&#8239;</TD>
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD>Margaret E. Tahyar</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>David L. Portilla</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD>margaret.tahyar@davispolk.com</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>david.portilla@davispolk.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.6&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &ldquo;made available&rdquo; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with
the SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR
at least three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&ldquo;business day&rdquo; means any day other than a Saturday,
a Sunday or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &ldquo;transaction
contemplated hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&#8239;all
references to &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&#8239;references to any law or regulation
is a reference to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and
all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this
Agreement shall require any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.7&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.8&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.9&#9;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice
is given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.10&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF
ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.
EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY
OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH
PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.11&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.12&#9;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be
adequate and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.13&#9;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.14&#9;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.15&#9;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.16&#9;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U>&#8239;(Authority; No Violation);
and <U>Section&#8239;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&#8239;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&#8239;public
disclosure of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any
effect on a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are
taken with the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure,
in and of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such
decline or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise
excepted by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change
are disproportionately adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to
federal savings associations operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material
adverse effect on the ability of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity
shall have appointed the FDIC as receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being
contested in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the
FDIC, (e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any
SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4
</U>(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U>
(Consents and Approvals) and <U>Section&#8239;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person (other
than Bank) for which Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined, unitary or
similar group prior to the Closing, (ii)</FONT>&#8239;as a transferee, successor or by contract (other than pursuant to agreements which
both (I)&#8239;were not primarily related to Taxes and (II)&#8239;were entered into in the ordinary course of business consistent with
past practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&#8239;pursuant
to a breach of any covenants of Seller Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement or <U>Article&#8239;5</U> of the
Separation Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&#8239;Taxes otherwise borne by Investor pursuant
to this Agreement, (B)&#8239;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of
this Agreement or Section&#8239;5.06 of the Separation Agreement, (C)&#8239;Taxes arising solely as a result of any actions taken by
Investor or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated
by this Agreement, (D)&#8239;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment,
reimbursement or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&#8239;Taxes to the
extent resulting from a change of law enacted after the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against
in the Bank Financials, and Seller Taxes shall be calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of
this definition the amount of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the
extent such amounts (i)&#8239;would have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes
(including as a result of subsequent Tax audits) and (ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below
zero) Seller Taxes by any amount of Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&#8239;any &ldquo;self-regulatory organization&rdquo; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&#8239;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;/s/
    Dane Alain Teruya</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dane Alain Teruya</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 52 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated
                    in the preamble,&#8239;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">AMERICAN SAVINGS BANK, F.S.B.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive<BR>
        Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;/s/
    Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&#8239;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-10.18
<SEQUENCE>19
<FILENAME>tm2432285d1_ex10-18.htm
<DESCRIPTION>EXHIBIT 10.18
<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 10.18</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>JOHN STEVEN WARD</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P><P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt; width: 15%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left; width: 80%">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt; width: 5%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt; width: 15%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left; width: 80%">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt; width: 5%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">29</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">31</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="padding-left: 0.4in; text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD STYLE="text-align: left; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 48%">Section 6.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right">Article II</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right">Section 2.6(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right">Section 2.27(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right">Section 2.28(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right">Section 2.13</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right">Section 6.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right">Section 7.9(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right">Section 2.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right">Section 2.21</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 48%">Section 2.9(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right">Section 2.17(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right">Section 2.26(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right">Section 2.9(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right">Section 2.23</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right">Section 2.11(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right">Section 6.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right">Section 2.12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right">Section 7.1(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right">Section 7.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right">Section 6.2</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between John Steven Ward (&ldquo;<U>Investor</U>&rdquo;) and
ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank and a
wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 5 shares of Bank Common Stock (representing 0.06% of the issued
and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&#8239;Investment&#8239;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&#8239;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&#8239;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 5 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $250,000 in cash (the &ldquo;<U>Purchase&#8239;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
or prior to February&#8239;28, 2025,&#8239;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&#8239;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&#8239;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&#8239;any
disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to qualify (1)&#8239;any other section of this
<U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other sections of this <U>Article&#8239;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&#8239;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or (ii)&#8239;subject to the
securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U>
with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&#8239;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&#8239;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as defined
in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&#8239;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code) during
the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method made
before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition made prior
to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&#8239;a
 &ldquo;closing agreement&rdquo; described in Section&#8239;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&#8239;430 of the Code, (iii)&#8239;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&#8239;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&#8239;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&ldquo;<U>Part&#8239;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through
(viii)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&#8239;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3
</U>and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&#8239;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&#8239;5.2</U> are duly obtained, (x)&#8239;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U> and <U>Article&#8239;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&#8239;16) or
(ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment Company Act and used for
purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&#8239;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&#8239;506(d)(1)(i)-(viii)&#8239;of
the Securities Act and used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
February&#8239;28, 2025,&#8239;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable law
or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&#8239;5.01(b)&#8239;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof)
or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&#8239;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1</U>
or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&#8239;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&#8239;7.1(d)</U>,
(x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $60,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement. The cumulative
indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no event exceed the Purchase Price
and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&#8239;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&#8239;Inc<BR>
1001 Bishop Street, Suite&#8239;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1.5in">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 8%; vertical-align: top">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Kurt K. Murao, Executive Vice President, <BR>
    General Counsel, Chief Administrative Officer and Corporate Secretary</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">kmurao@hei.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&#8239;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1.5in">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 8%; vertical-align: top">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">H. Rodgin Cohen<BR>
    Stephen M. Salley</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; vertical-align: top">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">cohenhr@sullcrom.com<BR>
    salleys@sullcrom.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">John Steven Ward</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1.5in">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 8%; vertical-align: top">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">John Steven Ward</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1.5in">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 8%; vertical-align: top">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Mike Vieira, General Counsel</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&#8239;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1.5in">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 8%; vertical-align: top">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Margaret E. Tahyar<BR>
    David L. Portilla</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">margaret.tahyar@davispolk.com<BR>
    david.portilla@davispolk.com</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &ldquo;made available&rdquo; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with the
SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&#8239;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&#8239;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&#8239;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U>&#8239;(Authority; No Violation);
and <U>Section&#8239;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&#8239;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&#8239;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the FDIC,
(e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U> (Consents
and Approvals) and <U>Section&#8239;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person (other than Bank) for which
Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&#8239;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&#8239;were not primarily
related to Taxes and (II)&#8239;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&#8239;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement or <U>Article&#8239;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&#8239;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&#8239;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of this Agreement or Section&#8239;5.06
of the Separation Agreement, (C)&#8239;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&#8239;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&#8239;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&#8239;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&#8239;any &ldquo;self-regulatory organization&rdquo; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&#8239;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">ASB Hawaii,&#8239;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ John Steven Ward</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">John Steven Ward</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&#8239;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD>Title:</TD>
    <TD>President&#8239;&amp; Chief Executive Officer</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-10.19
<SEQUENCE>20
<FILENAME>tm2432285d1_ex10-19.htm
<DESCRIPTION>EXHIBIT 10.19
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.19</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT><B><I>Execution
Version</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>KAREN ELIZABETH WHITEHEAD</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&#8239;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&#8239;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&#8239;30, 2024</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Page</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE I</B> INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 20%">&#8239;</TD>
    <TD STYLE="width: 75%">&#8239;</TD>
    <TD STYLE="width: 5%; text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE II</B> REPRESENTATIONS AND WARRANTIES
    OF BANK</FONT></TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD></TD></TR></TABLE>

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    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE III</B> REPRESENTATIONS AND
    WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE IV</B> REPRESENTATIONS AND WARRANTIES
    OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE V</B> REPRESENTATIONS AND WARRANTIES
    OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE VI</B> COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
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    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ARTICLE VII</B> GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
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    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 27%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 27%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&#8239;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Karen Elizabeth Whitehead (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&#8239;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&#8239;1.5</U>,
<U>Article&#8239;II</U>, <U>Article&#8239;VI</U> and <U>Article&#8239;VII</U>. Hawaiian Electric Industries,&#8239;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&#8239;IV</U>, <U>Article&#8239;VI</U> and <U>Article&#8239;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&#8239;Investment&#8239;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&#8239;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&#8239;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&#8239;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&#8239;28, 2025,&#8239;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&#8239;any
disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to qualify (1)&#8239;any other section of this
<U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other sections of this <U>Article&#8239;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&#8239;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or (ii)&#8239;subject to the
securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U>
with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part of Bank in connection
with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other Investment Agreements
and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&#8239;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank <FONT STYLE="background-color: white">is not a debtor under any proceeding in bankruptcy, insolvency,
or reorganization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as defined
in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&#8239;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code) during
the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method made
before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition made prior
to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&#8239;a
 &ldquo;closing agreement&rdquo; described in Section&#8239;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&#8239;430 of the Code, (iii)&#8239;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&#8239;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&#8239;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&ldquo;<U>Part&#8239;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through
(viii)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&#8239;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3
</U>and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&#8239;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller <FONT STYLE="background-color: white">is not a debtor under any proceeding in bankruptcy,
insolvency, or reorganization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent in connection
with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and the consummation
by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&#8239;5.2</U> are duly obtained, (x)&#8239;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U> and <U>Article&#8239;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&#8239;16) or
(ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment Company Act and used for
purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&#8239;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&#8239;506(d)(1)(i)-(viii)&#8239;of
the Securities Act and used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&#8239;28, 2025,&#8239;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable law
or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&#8239;5.01(b)&#8239;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof)
or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&#8239;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1</U>
or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&#8239;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&#8239;7.1(d)</U>,
(x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement. The cumulative
indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no event exceed the Purchase Price
and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&#8239;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&#8239;Inc</FONT><BR>
1001 Bishop Street, Suite&#8239;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD><TD STYLE="text-align: justify">Kurt
K. Murao, Executive Vice President, <BR> General
Counsel, Chief Administrative Officer and<BR> Corporate
Secretary</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">kmurao@hei.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: left; width: 1.5in">&nbsp;</TD>
  <TD STYLE="text-align: left">Sullivan&#8239;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">H.
Rodgin Cohen<BR> Stephen
M. Salley</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">cohenhr@sullcrom.com<BR> salleys@sullcrom.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">K. Elizabeth Whitehead</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">K.
Elizabeth Whitehead</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">[***]</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Mike
Vieira, General Counsel</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&#8239;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left">Attention:</TD><TD STYLE="text-align: justify">Margaret
E. Tahyar<BR> David
L. Portilla</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.75in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD STYLE="text-align: justify">margaret.tahyar@davispolk.com<BR> david.portilla@davispolk.com</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &ldquo;made available&rdquo; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with the
SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&#8239;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&#8239;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U> (Authority; No Violation);
and <U>Section&#8239;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&#8239;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&#8239;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the FDIC,
(e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U> (Consents
and Approvals) and <U>Section&#8239;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person (other than
Bank) for which Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&#8239;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&#8239;were not primarily related to Taxes and (II)&#8239;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&#8239;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement or <U>Article&#8239;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&#8239;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&#8239;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of
this Agreement or Section&#8239;5.06 of the Separation Agreement, (C)&#8239;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&#8239;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&#8239;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&#8239;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&#8239;any &ldquo;self-regulatory organization&rdquo; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&#8239;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 51 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
K. Elizabeth Whitehead</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">K. Elizabeth Whitehead</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<!-- Field: Page; Sequence: 52 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President&#8239;&amp; Chief Executive Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<DOCUMENT>
<TYPE>EX-10.20
<SEQUENCE>21
<FILENAME>tm2432285d1_ex10-20.htm
<DESCRIPTION>EXHIBIT 10.20
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.20</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">between</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>BRIAN YOSHII</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ASB HAWAII,&#8239;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&#8239;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">December&#8239;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Page</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&#8239;</TD>
    <TD STYLE="text-align: center">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 20%">&#8239;</TD>
    <TD STYLE="width: 75%">&#8239;</TD>
    <TD STYLE="width: 5%; text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="width: 73%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right; width: 7%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
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    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
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  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
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    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD STYLE="text-align: right">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&#8239;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 69%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="width: 31%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article II</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 69%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 31%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part 16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 6.2</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&#8239;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Brian Yoshii (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&#8239;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&#8239;1.5</U>,
<U>Article&#8239;II</U>, <U>Article&#8239;VI</U> and <U>Article&#8239;VII</U>. Hawaiian Electric Industries,&#8239;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&#8239;IV</U>, <U>Article&#8239;VI</U> and <U>Article&#8239;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 3 shares of Bank Common Stock (representing 0.03% of the issued
and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&#8239;Investment&#8239;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&#8239;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&#8239;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 3 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $150,000 in cash (the &ldquo;<U>Purchase&#8239;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&#8239;28, 2025,&#8239;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&#8239;any
disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to qualify (1)&#8239;any other section of this
<U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other sections of this <U>Article&#8239;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&#8239;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or (ii)&#8239;subject to the
securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U>
with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part of Bank in connection
with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other Investment Agreements
and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&#8239;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as defined
in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&#8239;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code) during
the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method made
before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition made prior
to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&#8239;a
 &ldquo;closing agreement&rdquo; described in Section&#8239;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&#8239;430 of the Code, (iii)&#8239;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&#8239;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&#8239;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&ldquo;<U>Part&#8239;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through
(viii)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&#8239;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3</U>&nbsp;and
assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any law,
statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a
default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or
a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed
of trust, license, lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&#8239;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&#8239;5.2</U> are duly obtained, (x)&#8239;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U> and <U>Article&#8239;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&#8239;16) or
(ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment Company Act and used for
purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&#8239;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&#8239;506(d)(1)(i)-(viii)&#8239;of
the Securities Act and used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&#8239;28, 2025,&#8239;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable law
or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&#8239;5.01(b)&#8239;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof)
or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&#8239;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1</U>
or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&#8239;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&#8239;7.1(d)</U>,
(x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $30,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement. The cumulative
indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no event exceed the Purchase Price
and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&#8239;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&#8239;Inc</FONT><BR>
1001 Bishop Street, Suite&#8239;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
    <TD STYLE="width: 1in; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kurt K. Murao, Executive Vice President,<BR>
General Counsel, Chief Administrative Officer and<BR>
Corporate Secretary </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&#8239;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
    <TD STYLE="width: 1in; font-size: 10pt">Attention:</TD>
    <TD STYLE="font-size: 10pt">H. Rodgin Cohen<BR>
 Stephen M. Salley</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">Email:</TD>
    <TD STYLE="font-size: 10pt">cohenhr@sullcrom.com</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font-size: 10pt">salleys@sullcrom.com</TD></TR>
  </TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Brian Yoshii</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
    <TD STYLE="width: 1in; font-size: 10pt">Attention:</TD>
    <TD STYLE="font-size: 10pt">Brian Yoshii</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">Email:</TD>
    <TD STYLE="font-size: 10pt">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 1.5in"></TD>
    <TD STYLE="width: 1in; font-size: 10pt">Attention:</TD>
    <TD STYLE="font-size: 10pt">Mike Vieira,
General Counsel</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">Email:</TD>
    <TD STYLE="font-size: 10pt">mvieira@asbhawaii.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&#8239;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 1.5in">&#8239;</TD>
    <TD STYLE="width: 1in; font-size: 10pt">Attention:</TD>
    <TD STYLE="font-size: 10pt">Margaret E. Tahyar<BR>
 David L. Portilla</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">Email:</TD>
    <TD STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font-size: 10pt">david.portilla@davispolk.com</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &ldquo;made available&rdquo; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with the
SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&#8239;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&#8239;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&#8239;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&#8239;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the FDIC,
(e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U> (Consents
and Approvals) and <U>Section&#8239;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person (other than
Bank) for which Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&#8239;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&#8239;were not primarily related to Taxes and (II)&#8239;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&#8239;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement or <U>Article&#8239;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&#8239;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&#8239;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of
this Agreement or Section&#8239;5.06 of the Separation Agreement, (C)&#8239;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&#8239;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&#8239;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&#8239;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&#8239;any &ldquo;self-regulatory organization&rdquo; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
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or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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  <TR STYLE="vertical-align: top">
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Scott Seu</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

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Brian Yoshii</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble,</TD></TR>
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  <TR STYLE="vertical-align: top">
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  <TR STYLE="vertical-align: top">
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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    Scott Seu</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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<DOCUMENT>
<TYPE>EX-10.21
<SEQUENCE>22
<FILENAME>tm2432285d1_ex10-21.htm
<DESCRIPTION>EXHIBIT 10.21
<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 10.21</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0; text-align: right"><B><I>&nbsp;</I></B></P>

<P STYLE="margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain confidential
information contained in this document, marked by [***], has been omitted because the registrant has determined that the information
(i) is not material and (ii) is the type that the registrant treats as private or confidential.&nbsp;</B></FONT></P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">between</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>THE RICHARD J. DAHL REVOCABLE LIVING TRUST</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;I </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;II </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;III </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;IV </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;V </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VI </B>COVENANTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Equity Awards at Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>Article&nbsp;VII </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.375in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>INDEX OF DEFINED TERMS</b></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010 Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual Fraud</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Disclosure Letter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Article&nbsp;II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Financials</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Service Provider</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification Event</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental Warranty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Owners&rsquo; Loan Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer Covered Person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceeding</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing Tax Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned Countries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Breach</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing Authority</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Claim</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>INVESTMENT AGREEMENT</B>,
dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between The Richard J. Dahl Revocable Living Trust (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller Parent directly owns 100% of the issued and
outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued and outstanding shares of common stock of
Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;<U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW</B>, <B>THEREFORE</B>,
in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and intending to be
legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the
part of Bank in connection with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and
the Other Investment Agreements and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 14; Value: 2 -->
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>
with respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or
authorization of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller
Parent in connection with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment
Agreements and the consummation by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Hawaiian Electric Industries,&nbsp;Inc<BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Kurt K. Murao, Executive Vice President,</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">General Counsel, Chief Administrative Officer
    and</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Corporate Secretary</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">kmurao@hei.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">H. Rodgin Cohen</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephen M. Salley</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">cohenhr@sullcrom.com</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">salleys@sullcrom.com</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Richard J. Dahl</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Richard J. Dahl</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Mike Vieira, General Counsel</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">mvieira@asbhawaii.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Margaret E. Tahyar</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David L. Portilla</FONT></TD></TR>
  </TABLE>


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<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in"><FONT STYLE="font-size: 10pt">Email:</FONT></TD><TD><FONT STYLE="font-size: 10pt">margaret.tahyar@davispolk.com</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">david.portilla@davispolk.com</FONT></TD></TR>
                                                                                                                                                                                     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1(a)</U>&nbsp;(Authority; No Violation);
and <U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Taxes</U>&rdquo;
means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect to any Straddle
Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than Bank) for which
Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar group prior
to the Closing, (ii)&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both (I)&nbsp;were not primarily
related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past practice), in each case, which
Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to a breach of any covenants of Seller
Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation Agreement. Notwithstanding the
foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this Agreement, (B)&nbsp;Taxes imposed
on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of this Agreement or Section&nbsp;5.06
of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but
after the time of Closing that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&nbsp;Taxes (on
a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against
a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting from a change of law enacted
after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall
be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would have been available
for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax audits) and
(ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of Taxes recoverable
and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ASB Hawaii,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 51 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">The Richard J. Dahl Revocable Living Trust</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Richard J. Dahl</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Richard J. Dahl</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Trustee</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 52 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated in the preamble,</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Ann C. Teranishi</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive Officer</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.22
<SEQUENCE>23
<FILENAME>tm2432285d1_ex10-22.htm
<DESCRIPTION>EXHIBIT 10.22
<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 10.22</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B><I>Execution Version</I></B></P>

<P STYLE="margin: 0; text-align: right"><B><I>&nbsp;</I></B></P>

<P STYLE="margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain confidential
information contained in this document, marked by [***], has been omitted because the registrant has determined that the information
(i) is not material and (ii) is the type that the registrant treats as private or confidential.&nbsp;</B></FONT></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THE KENNEDY FAMILY LIVING TRUST</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;I
    </B>INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in; width: 16%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 74%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor
    Deliveries</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Deliveries at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Deliveries at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;II
    </B>REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    Statements</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&#8217;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence
    of Certain Changes or Events</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes
    and Tax Returns</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee
    Benefits</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance
    with Applicable Law</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions
    by Regulatory Agencies</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental
    Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    Securities</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual
    Property</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan
    Portfolio</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk
    Management Instruments</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No-Broker
    Dealers</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany
    Obligations</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer
    Relationships</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shell
    Company Status</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Disqualification Events</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investors</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Contracts</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real
    Property</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sufficiency
    of Assets</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Critical
    Technologies</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;III
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in; width: 16%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 74%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    and Regulatory Proceedings</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title
    to Bank Common Stock</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&#8217;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;IV
    </B>REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Common Stock</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&#8217;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;V
    </B>REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority;
    No Violation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents
    and Approvals</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&#8217;s
    Fees</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    Intent and Risk; Financial Capability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Regulatory Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Consequences</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions
    on Transferability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Other Representations or Warranties</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;VI
    </B>COVENANTS</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public
    Announcements</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment
    of Equity Awards at Closing</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Matters</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representation
    and Warranty Insurance Policy</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Article&nbsp;VII
    </B>GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendment;
    Waiver</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Further
    Assurances</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire
    Agreement</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing
    Law; Jurisdiction</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver
    of Jury Trial</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment;
    Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific
    Performance</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confidential
    Supervisory Information</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery
    by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
    Definitions</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2010
    Equity Plan</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; width: 50%">Section 6.2</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual
    Fraud</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.6</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anti-Corruption
    Laws</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Common Stock</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Disclosure Letter</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Article II</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(d)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Financials</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.6(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Owned Properties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.27(b)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(b)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Real Property</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.28(b)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.13</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
    Service Provider</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 6.2</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BHC
    Act</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">business
    day</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.6</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CFIUS</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chosen
    Courts</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.9(b)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Claim
    Notice</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 1.2</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing
    Date</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 1.2</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Constituent
    Documents</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Direct
    Claim</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disqualification
    Event</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.24</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforceability
    Exceptions</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.3(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental
    Laws</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange
    Act</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FCPA</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Reserve Board</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FFIEC</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filing
    Party</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 6.3(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fundamental
    Warranty</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governmental
    Entity</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    Owners&#8217; Loan Act</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified
    Party</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying
    Party</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual
    Property</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intercompany
    Obligations</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.21</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 1.1</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(b)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer
    Covered Person</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.24</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IT
    Assets</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.12(e)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">knowledge</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.6</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal
    Proceeding</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; width: 50%">Section 2.9(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.17(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">made
    available</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.6</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    Contract</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.26(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multiemployer
    Plan</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(d)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Filing
    Party</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 6.3(a)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OCC</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Order</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.9(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investment</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    Investors</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Part&nbsp;16</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.23</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PBGC</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.11(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Permitted
    Encumbrances</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.6</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Closing
    Tax Period</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Closing
    Tax Period</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    Price</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 1.1</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchased
    Shares</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 1.1</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R&amp;W
    Insurance Policy</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 6.4</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory
    Agencies</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Response
    Notice</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctioned
    Countries</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.12(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sanctions</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.12(c)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
    Act</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security
    Breach</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 2.12(e)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Consolidated Group</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parent</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parent Fundamental Warranties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Parties</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Preamble</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller
    Taxes</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Separation
    Agreement</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stockholders
    Agreement</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Recitals</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Straddle
    Period</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    Return</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxing
    Authority</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third
    Party Claim</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.1(d)</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction
    Expenses</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.4</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transfer
    Taxes</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury
    Regulations</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 7.16</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver</FONT></TD>
    <TD STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif">Section 6.2</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &#8220;<U>Agreement</U>&#8221;), between the Kennedy Family Living Trust
(&#8220;<U>Investor</U>&#8221;) and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&#8220;<U>Seller</U>&#8221;). American Savings Bank,
F.S.B., a federal savings bank and a wholly owned subsidiary of Seller (&#8220;<U>Bank</U>&#8221;), is a party to this Agreement solely
for purposes of <U>Section&nbsp;1.5</U>, <U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric
Industries,&nbsp;Inc., a Hawaii corporation (&#8220;<U>Seller Parent</U>&#8221; and, together with Seller and Bank, &#8220;<U>Seller
Parties</U>&#8221;), is a party to this Agreement solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&#8220;<U>Bank Common Stock</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &#8220;<U>Other&#8239;Investment&#8239;Agreement</U>&#8221;
and such investors, the &#8220;<U>Other Investors</U>&#8221;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &#8220;<U>Other&#8239;Investment</U>&#8221; and, collectively,
the &#8220;<U>Other&#8239;Investments</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&#8239;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &#8220;<U>Stockholders Agreement</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &#8220;</FONT><U>Separation
Agreement</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and
Investor shall purchase from Seller, 10 shares of Bank Common Stock (the &#8220;<U>Purchased Shares</U>&#8221;) for an aggregate
purchase price equal to $500,000 in cash (the &#8220;<U>Purchase&#8239;Price</U>&#8221;), free and clear of any Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement),
and Investor shall pay, or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&#8239;1.1</U>, the
 &#8220;<U>Investment</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &#8220;<U>Closing</U>&#8221;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&#8239;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &#8220;<U>Closing Date</U>&#8221;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&#8239;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&#8239;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&#8239;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&#8239;28, 2025,&#8239;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&#8239;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&#8239;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&#8239;the board
of directors of Seller, (ii)&#8239;the board of directors of Bank and (iii)&#8239;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&#8217;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&#8239;W-9 pursuant to <U>Section&#8239;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in
the letter delivered by Bank to Investor concurrently herewith (the &#8220;<U>Bank Disclosure Letter</U>&#8221;) (it being
understood that (a)&#8239;no item is required to be set forth as an exception to a representation or warranty if its absence would
not result in the related representation or warranty being deemed untrue or incorrect, (b)&#8239;the mere inclusion of an item in the
Bank Disclosure Letter as an exception to a representation or warranty shall not be deemed an admission by Bank that such item
represents a material exception or fact, event or circumstance or that such item would be material or have a Material Adverse Effect
with respect to Bank and (c)&#8239;any disclosures made with respect to a section of this <U>Article&#8239;II</U> shall be deemed to
qualify (1)&#8239;any other section of this <U>Article&#8239;II</U> specifically referenced or cross-referenced and (2)&#8239;other
sections of this <U>Article&#8239;II</U> to the extent it is reasonably apparent on its face (notwithstanding the absence of a
specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections), Bank (but only in
respect of representations and warranties concerning Bank; it being understood that, without limiting <U>Section&#8239;7.1(i)</U>,
Bank shall have no liability for representations concerning Seller or Seller Parent and that Seller shall have no liability for
representations concerning Seller Parent) hereby represents and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&#8239;3(y)&#8239;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&#8239;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&#8239;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&#8239;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &#8220;profits interests&#8221;), (y)&#8239;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&#8239;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&#8239;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&#8239;2.2(c)&#8239;of
the Bank Disclosure Letter and (ii)&#8239;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &#8220;<U>Enforceability Exceptions</U>&#8221;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders
Agreement by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any
of the terms or provisions hereof or thereof, will (i)&#8239;violate any provision of the Constituent Documents of Bank, or
(ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;2.4</U> and assuming the accuracy of <U>Section&#8239;5.4</U>
and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any law, statute, code, ordinance, rule, regulation,
judgment, order, writ, decree or injunction applicable to Bank or any of its properties or assets or (y)&#8239;violate, conflict
with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice
or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation
under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties or assets of Bank
under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement
or other instrument or obligation to which Bank is a party, or by which it or its properties or assets may be bound, except (in the
case of clauses&#8239;(x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part of Bank in connection
with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other Investment Agreements
and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&#8239;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&#8239;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&#8239;7.14</U>, since January&#8239;1, 2022, (a)&#8239;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&#8239;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&#8239;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&#8217;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&#8239;31,
2023 and December&#8239;31, 2022 and complete and correct copies of Bank&#8217;s call reports filed with the FFIEC for the three-month
periods ended March&#8239;31, 2024, June&#8239;30, 2024 and September&#8239;30, 2024 (collectively, the &#8220;<U>Bank Financials</U>&#8221;).
The Bank Financials (i)&#8239;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&#8239;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&#8239;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&#8239;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&#8239;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&#8239;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&#8217;s financial reporting and the preparation of Bank&#8217;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&#8217;s external auditors and its
Audit Committee (i)&#8239;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&#8239;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&#8217;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&#8239;1, 2022, (i)&#8239;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&#8239;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of
Bank, and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including
applicable regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and
credit commitments (including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials.
Bank adopted and fully implemented the Financial Accounting Standard Board&#8217;s Current Expected Credit Loss (CECL) impairment
standard effective as of January&#8239;1, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&#8217;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&#8239;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&#8239;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&#8239;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&#8239;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&#8217;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &#8220;<U>Legal Proceeding</U>&#8221;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&#8239;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&#8239;that would reasonably be expected to be material to Bank or (iii)&#8239;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &#8220;<U>Order</U>&#8221;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&#8239;of the Seller Consolidated Group or pursuant to agreements
which both (i)&#8239;were not primarily related to Taxes and (ii)&#8239;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &#8220;C corporation&#8221; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&#8239;of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;),
to be treated as a Subchapter S corporation as defined in Code Section&#8239;1361(a)&#8239;or a qualified subchapter S subsidiary as defined
in Code Section&#8239;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&#8239;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&#8239;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&#8239;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&#8239;were not primarily related to Taxes and (B)&#8239;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&#8239;years a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; (within
the meaning of Section&#8239;355(a)(1)(A)&#8239;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&#8239;355 or Section&#8239;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &#8220;listed transaction&#8221; within the meaning of Section&#8239;6707A(c)&#8239;of the Code and Treasury
Regulations Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&#8239;897(c)(2)&#8239;of the Code) during
the applicable period specified in Section&#8239;897(c)(1)(A)(ii)&#8239;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&#8239;any change in accounting method made
before the Closing under Section&#8239;481(c)&#8239;of the Code, (ii)&#8239;an installment sale or open transaction disposition made prior
to the Closing, (iii)&#8239;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&#8239;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&#8239;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&#8239;a
 &#8220;closing agreement&#8221; described in Section&#8239;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&#8239;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&#8239;2.10</U> and relevant parts of <U>Section&#8239;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &#8220;<U>Bank Benefit Plans</U>&#8221; means all employee benefit plans (as defined in Section&#8239;3(3)&#8239;of
the Employee Retirement Income Security Act of 1974 (&#8220;<U>ERISA</U>&#8221;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &#8220;<U>IRS</U>&#8221;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&#8239;401(a)&#8239;of the Code (the &#8220;<U>Bank Qualified Plans</U>&#8221;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&#8239;302 or Title&#8239;IV of ERISA
or Section&#8239;412, 430 or 4971 of the Code: (i)&#8239;the minimum funding standard under Section&#8239;302 of ERISA and Sections&#8239;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&#8239;no such plan is in &#8220;at-risk&#8221; status for purposes of Section&#8239;430 of the Code, (iii)&#8239;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&#8217;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&#8239;no reportable event within the meaning of Section&#8239;4043(c)&#8239;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&#8239;all premiums to the Pension Benefit Guarantee Corporation (the &#8220;<U>PBGC</U>&#8221;)
have been timely paid in full, (vi)&#8239;no liability (other than for premiums to the PBGC) under Title&#8239;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&#8239;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &#8220;single employer&#8221; within the meaning of Section&#8239;4001 of ERISA (a &#8220;<U>Bank ERISA Affiliate</U>&#8221;) has, at
any time during the last six (6)&#8239;years, contributed to or been obligated to contribute to any &#8220;multiemployer plan&#8221; within
the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA (a &#8220;<U>Multiemployer Plan</U>&#8221;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&#8239;I of Subtitle&#8239;E of Title&#8239;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&#8239;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&#8217; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&#8239;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&#8239;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&#8239;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&#8239;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&#8239;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law,
statute, Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&#8239;all
applicable laws and regulations (and publicly posted policies) relating to the privacy and security of data or information that
constitutes personal data, personally identifiable information, or personal information under applicable law or regulation and
(ii)&#8239;the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the
Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure
Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer
Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail
Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and
Regulation X, Title&#8239;V of the Gramm-Leach-Bliley Act, any and all sanctions or regulations enforced by the Office of Foreign
Assets Control of the United States Department of Treasury and any other law, policy or guideline relating to bank secrecy,
discriminatory lending, financing or leasing practices, consumer protection, money laundering prevention, foreign assets control,
U.S. sanctions laws and regulations, Sections&#8239;23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, the Flood
Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing regulations thereunder, and all
agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither is the Bank now, nor has
it ever been since January&#8239;1, 2023, subject to any material fine, suspension, settlement or other administrative agreement or
sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial or
consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with
applicable financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where
Bank conducts business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&#8239;1, 2022, or is currently (i)&#8239;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&#8239;Cuba,&#8239;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&#8220;<U>Sanctioned Countries</U>&#8221;), (B)&#8239;the government
of any Sanctioned Country or Venezuela, (C)&#8239;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&#8239;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&#8217;s Treasury,
or other relevant sanctions authority (collectively, &#8220;<U>Sanctions</U>&#8221;), (ii)&#8239;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&#8239;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&#8239;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&#8239;years has had, a Community Reinvestment Act rating no lower than &#8220;Satisfactory&#8221;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &#8220;<U>IT Assets</U>&#8221;) and nonpublic personal information used in its business
against any (i)&#8239;loss or misuse of nonpublic personal information, (ii)&#8239;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&#8239;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&#8239;through (iii), a &#8220;<U>Security Breach</U>&#8221;).
Since January&#8239;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&#8217;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&#8239;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&#8239;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&#8239;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&#8239;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&#8239;made any fraudulent entry on the books or records of Bank or (vi)&#8239;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&#8239;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&#8239;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&#8239;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&#8239;is or, since January&#8239;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&#8239;to the knowledge of Bank, is, or since January&#8239;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&#8239;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&#8239;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &#8220;<U>Bank Regulatory Agreement</U>&#8221;), nor since January&#8239;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&#8239;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&#8239;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&#8217;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&#8217;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&#8217;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&#8239;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&#8239;has had any material source code placed in escrow for the benefit of a third party or (ii)&#8239;incorporates or
is derived from software licensed under any &#8220;open source&#8221; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &#8220;<U>Loans</U>&#8221;)
of Bank (i)&#8239;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&#8239;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&#8239;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&#8239;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&#8239;2.18
of the Bank Disclosure Letter, (a)&#8239;each such policy is outstanding and in full force and effect, (b)&#8239;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&#8239;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&#8239;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&#8239;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &#8220;<U>Intercompany Obligations</U>&#8221;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&#8239;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&#8239;in conformity with the applicable policies of Bank, (ii)&#8239;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&#8239;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&#8239;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&#8239;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&#8239;144(i)(1)&#8239;under the Securities Act or the
corresponding provisions of the securities disclosure rules&#8239;set forth in 12 C.F.R. Part&#8239;16 (&#8220;<U>Part&#8239;16</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any
director, executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this
Agreement, any beneficial owner of 20% or more of Bank&#8217;s outstanding voting equity securities (calculated on the basis of
voting power), nor any promoter (as that term is defined in Rule&#8239;405 under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16) connected with Bank in any capacity at the Closing Date (each an &#8220;<U>Issuer Covered
Person</U>&#8221; and together &#8220;<U>Issuer Covered Persons</U>&#8221;) is subject to any of the &#8220;bad actor&#8221;
disqualifications described in Rule&#8239;506(d)(1)(i)&#8239;through (viii)&#8239;under the Securities Act or the securities disclosure
rules&#8239;in Part&#8239;16 (a &#8220;<U>Disqualification Event</U>&#8221;), except for a Disqualification Event covered by
Rule&#8239;506(d)(2)&#8239;or (d)(3)&#8239;under the Securities Act or the securities disclosure rules&#8239;in Part&#8239;16. Bank has
exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.26(a)&#8239;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&#8239;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&#8239;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&#8239;(A)&#8239;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&#8239;non-exclusive in-licenses
to commercially available software or (B)&#8239;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&#8239;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &#8220;<U>Material Contract</U>.&#8221; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&#8239;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate,
would not be material to Bank, (ii)&#8239;Bank has in all material respects complied with and performed all obligations required to
be complied with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either
individually or in the aggregate, would not be material to Bank, (iii)&#8239;to the knowledge of Bank, each third-party counterparty
to each Material Contract has in all material respects complied with and performed all obligations required to be complied with and
performed by it to date under such Material Contract, except where such noncompliance or nonperformance, either individually or in
the aggregate, would not be material to Bank, (iv)&#8239;Bank has no knowledge of, nor has received notice of, any material violation
of any Material Contract by any of the other parties thereto and (v)&#8239;no event or condition exists which constitutes or, after
notice or lapse of time or both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any
other party thereto, of or under any such Material Contract, except where such breach or default, either individually or in the
aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&#8239;2.27(a)&#8239;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&#8239;has good and marketable
title to all the real property reflected in Section&#8239;2.27(a)&#8239;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &#8220;<U>Bank Owned Properties</U>&#8221;), free and clear of all Liens, except Permitted Encumbrances and (ii)&#8239;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &#8220;<U>Bank
Real Property</U>&#8221;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&#8239;properties for which Bank is landlord or sublessor and (ii)&#8239;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&#8239;with respect to Bank Real Property leased by Bank (x)&#8239;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&#8239;in accordance with the express terms of such lease or (B)&#8239;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &#8220;critical technologies&#8221; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&#8217;s reasonable
investigation has consisted solely of making inquiries to Bank&#8217;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &#8220;critical technologies&#8221; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&#8239;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&#8239;except for the representations and warranties made by Bank
in this <U>Article&#8239;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&#8217; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this
Agreement and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other
corporate proceedings on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to
consummate the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly
executed and delivered by Seller and (assuming due authorization, execution and delivery by each of Bank, Seller Parent and
Investor) constitute legal, valid and binding obligations of Seller, enforceable against Seller in accordance with their respective
terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&#8239;violate
any provision of the Constituent Documents of Seller, or (ii)&#8239;subject to the securities laws referred to in <U>Section&#8239;3.3
</U>and assuming the accuracy of <U>Section&#8239;5.4</U> and <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&#8217;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&#8239;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&#8239;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&#8239;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&#8217;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&#8239;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&#8239;except for the representations and warranties made
by Seller in this <U>Article&#8239;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&#8217; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&#8239;violate any provision of the Constituent Documents of Seller Parent, or (ii)&#8239;subject to the securities laws referred
to in <U>Section&#8239;4.4</U> and assuming the accuracy of <U>Section&#8239;5.5</U> with respect to each Investor, (x)&#8239;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&#8239;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent in connection
with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and the consummation
by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&#8217;s
Fees</U>. With the exception of the engagement of Piper Sandler&#8239;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&#8239;except
for the representations and warranties made by Seller Parent in this <U>Article&#8239;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&#8239;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&#8239;5.2</U> are duly obtained, (x)&#8239;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&#8217;s properties or assets
or (y)&#8239;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&#8217;s properties or
assets may be bound, except (in the case of clauses (x)&#8239;and (y)&#8239;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&#8217;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&#8217;s fees, commissions
or finder&#8217;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&#8239;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&#8239;issued by the OCC under Part&#8239;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&#8239;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&#8239;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&#8239;II</U>, <U>Article&#8239;III</U> and <U>Article&#8239;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&#8239;an &#8220;accredited investor&#8221; (as that term is defined in the Securities Act and used for purposes of Part&#8239;16) or
(ii)&#8239;a qualified purchaser (as that term is defined in Section&#8239;2(a)(51)(A)&#8239;of the Investment Company Act and used for
purposes of Part&#8239;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&#8239;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&#8239;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&#8239;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&#8239;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&#8239;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&#8217;s capacity as an officer or director of Bank,&#8239;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&#8239;506(d)(1)&#8239;of the Securities Act, and used for purposes of Part&#8239;16, neither Investor
nor, to Investor&#8217;s knowledge, its affiliates is subject to any &#8220;bad actor&#8221; disqualifying event described in Rule&#8239;506(d)(1)(i)-(viii)&#8239;of
the Securities Act and used for purposes of Part&#8239;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&#8239;28, 2025,&#8239;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&#8239;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&#8217; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &#8220;acting in concert&#8221; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&#8217; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &#8220;controls&#8221; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&#8217; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&#8239;in
Part&#8239;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&#8217;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&#8239;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&#8217;s respective businesses
or (ii)&#8239;except for the representations and warranties made by Investor in this <U>Article&#8239;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&#8239;II</U>, <U>Article&#8239;III
</U>and <U>Article&#8239;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&#8239;as required by applicable law
or the rules&#8239;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&#8239;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&#8239;6.1</U> or (iii)&#8239;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&#8217;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &#8220;<U>Bank Service Provider</U>&#8221;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &#8220;<U>2010 Equity Plan</U>&#8221;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&#8239;to the Separation Agreement (each, a &#8220;<U>Waiver</U>&#8221;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &#8220;<U>Filing Party</U>&#8221;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &#8220;<U>Non-Filing Party</U>&#8221;) at least ten (10)&#8239;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&#8239;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&#8239;make or change any Tax election with respect to Bank (including any election
under Section&#8239;338 or Section&#8239;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&#8239;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&#8239;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&#8239;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&#8239;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&#8239;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&#8239;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&#8239;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&#8217;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&#8239;5.01(b)&#8239;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&#8239;7.1(g)</U>&#8239;hereof)
or (Y)&#8239;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&#8220;<U>R&amp;W Insurance Policy</U>&#8221;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&#8239;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&#8239;express third-party beneficiary
rights in favor of Bank,&#8239;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&#8239;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&#8239;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&#8239;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&#8217; fees and disbursements) and amounts paid in settlement (collectively,
 &#8220;<U>Losses</U>&#8221;) if such Loss results from or arises out of (i)&#8239;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &#8220;materiality&#8221; or &#8220;Material Adverse Effect&#8221; or words of similar import),
(ii)&#8239;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&#8239;6.1</U>
or (iii)&#8239;any Seller Taxes; <U>provided</U>, <U>however</U>, that &#8220;Losses&#8221; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&#8239;7.1(a)</U>&#8239;following the expiration of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&#8239;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&#8239;any inaccuracy in or breach of any representation or warranty
in <U>Article&#8239;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &#8220;materiality&#8221; or &#8220;Material Adverse Effect&#8221; or words
of similar import) and (ii)&#8239;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&#8239;6.1</U>.
Notwithstanding the foregoing,&#8239;Investor shall have no obligation under this <U>Section&#8239;7.1(b)</U>&#8239;following the expiration
of the applicable survival period set forth in <U>Section&#8239;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &#8220;<U>Indemnified Party</U>&#8221;) shall give written notice to the party indemnifying
it (the &#8220;<U>Indemnifying Party</U>&#8221;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &#8220;<U>Direct Claim</U>&#8221;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &#8220;<U>Claim
Notice</U>&#8221;) shall (i)&#8239;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &#8220;<U>Response Notice</U>&#8221;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&#8217;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;(as applicable) (a &#8220;<U>Third Party Claim</U>&#8221;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&#8239;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&#8239;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&#8239;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&#8239;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&#8239;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&#8217;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&#8239;7.1(d)</U>,
(x)&#8239;the Indemnified Party may defend against the Third Party Claim and (y)&#8239;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&#8239;7.1</U> to the contrary, (i)&#8239;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&#8239;consent to the entry of any Order, (y)&#8239;settle
or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&#8239;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&#8239;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&#8239;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&#8239;consent to the entry of any Order,
(y)&#8239;settle or compromise or (z)&#8239;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&#8239;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&#8239;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&#8239;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&#8239;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&#8239;7.1(c)</U>&#8239;or <U>Section&#8239;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or
group of related claims) for indemnification pursuant to <U>Section&#8239;7.1(a)(iii)</U>&#8239;if the amount of Losses with respect
to such individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or
breach of any Fundamental Warranty, the cumulative indemnification obligation of (A)&#8239;Seller Parent under <U>Section&#8239;7.1(a)(i)</U>&#8239;shall
in no event exceed 10% of the Purchase Price and (B)&#8239;Investor under <U>Section&#8239;7.1(b)(i)</U>&#8239;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&#8217;s <I>pro rata </I>share of any
payments made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation
Agreement. The cumulative indemnification obligation of (x)&#8239;Seller Parent under <U>Section&#8239;7.1(a)</U>&#8239;shall in no
event exceed the Purchase Price and (y)&#8239;Investor under <U>Section&#8239;7.1(b)</U>&#8239;shall in no event exceed the Purchase
Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&#8239;7.1(a)</U>&#8239;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&#8239;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&#8239;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or pursuant to <U>Section&#8239;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&#8239;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&#8239;7.1(a)</U>&#8239;or <U>Section&#8239;7.1(b)</U>&#8239;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&#8239;the indemnification procedures of this <U>Section&#8239;7.1</U>
shall be Investor&#8217;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&#8239;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&#8239;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&#8239;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&#8239;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&#8239;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&#8217;s obligations under this <U>Section&#8239;7.1(l)</U>&#8239;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&#8239;7.1(a)</U>&#8239;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&#8239;7.1</U>, payments made pursuant to Section&#8239;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&#8239;5.01(b)&#8239;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &#8220;determination&#8221; within the meaning of Section&#8239;1313(a)&#8239;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&#8239;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&#8239;7.1(a)(iii)</U>&#8239;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&#8239;6.2</U>, <U>Section&#8239;6.4</U>, and this <U>Article&#8239;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&#8239;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&#8239;7.1(d)</U>&#8239;and <U>Section&#8239;7.1(e)</U>&#8239;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&#8220;<U>Transaction Expenses</U>&#8221;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&#8239;Inc</FONT><BR>
1001 Bishop Street, Suite&#8239;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
  <TD STYLE="width: 1in">Attention:</TD>
  <TD>Kurt K. Murao, Executive Vice President,</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>&#8239;</TD>
  <TD>General Counsel, Chief Administrative Officer and Corporate Secretary</TD></TR>


<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>Email:</TD>
  <TD>kmurao@hei.com</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&#8239;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
  <TD STYLE="width: 1in">Attention:</TD>
  <TD>H. Rodgin Cohen</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>&#8239;</TD>
  <TD>Stephen M. Salley</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>Email:</TD>
  <TD>cohenhr@sullcrom.com</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>&#8239;</TD>
  <TD>salleys@sullcrom.com</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Michael Kennedy</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.<BR>
Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
  <TD STYLE="width: 1in">Attention:</TD>
  <TD>Michael Kennedy</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>Email:</TD>
  <TD>[***]</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
  <TD STYLE="width: 1in">Attention:</TD>
  <TD>Mike Vieira, General Counsel</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>Email:</TD>
  <TD>mvieira@asbhawaii.com</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&#8239;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&#8239;</TD>
  <TD STYLE="width: 1in">Attention:</TD>
  <TD>Margaret E. Tahyar</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
  <TD>&#8239;</TD>
  <TD>David L. Portilla</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD><TD>margaret.tahyar@davispolk.com</TD></TR><TR STYLE="vertical-align: top">
<TD>&#8239;</TD><TD>&#8239;</TD><TD>david.portilla@davispolk.com</TD></TR>
                                                                                                                                                                                            </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&#8239;or Section&#8239;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#8220;include,&#8221;
 &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be followed by the words &#8220;without
limitation.&#8221; The word &#8220;or&#8221; shall not be exclusive. References to &#8220;the date hereof&#8221; shall mean the date
of this Agreement. As used in this Agreement, the &#8220;knowledge&#8221; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&#8239;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&#8239;the term &#8220;person&#8221; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&#8239;an &#8220;affiliate&#8221; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &#8220;control&#8221;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&#8239;the term &#8220;made available&#8221; means any document or other information that was (a)&#8239;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&#8239;included in the virtual
data room of a party at least three (3)&#8239;business days prior to the date hereof; or (c)&#8239;filed or furnished by a party with the
SEC after December&#8239;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&#8239;business days prior to the date hereof; (iv)&#8239;&#8220;business day&#8221; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&#8239;the &#8220;transaction contemplated
hereby&#8221; and &#8220;transactions contemplated by this Agreement&#8221; shall include the Investment, (vi)&#8239;all references to
 &#8220;dollars&#8221; or &#8220;$&#8221; are to United States dollars and (vii)&#8239;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &#8220;<U>Chosen Courts</U>&#8221;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#8239;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#8239;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&#8239;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&#8239;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&#8239;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&#8239;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&#8239;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&#8239;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&#8239;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&#8239;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&#8239;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&#8239;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&#8239;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&#8217; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&#8239;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&#8239;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&#8239;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&#8239;and as identified in 12 C.F.R. &sect; 4.32(b)&#8239;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&#8239;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Actual Fraud</U>&#8221;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&#8217;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Anti-Corruption Laws</U>&#8221;
means (a)&#8239;the FCPA, (b)&#8239;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&#8239;1997, and (c)&#8239;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Bank Fundamental
Warranties</U>&#8221; means the representations and warranties set forth in <U>Section&#8239;2.1</U> (Organization), <U>Section&#8239;2.2
</U>(Capitalization); <U>Section&#8239;2.3(a)</U>&#8239;and <U>Section&#8239;2.3(b)(i)</U>&#8239;(Authority; No Violation); and <U>Section&#8239;2.7
</U>(Broker&#8217;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>BHC Act</U>&#8221;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>CFIUS</U>&#8221;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Code</U>&#8221; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Constituent Documents</U>&#8221;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Environmental Laws</U>&#8221;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&#8239;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&#8239;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&#8239;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Exchange Act</U>&#8221;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>FCPA</U>&#8221; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>FDIC</U>&#8221; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Federal Reserve Board</U>&#8221;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>FFIEC</U>&#8221;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Fundamental Warranty</U>&#8221;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>GAAP</U>&#8221; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Governmental Entity</U>&#8221;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Home Owners&#8217;
Loan Act</U>&#8221; means the Home Owners&#8217; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Intellectual Property</U>&#8221;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&#8239;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&#8239;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&#8239;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&#8239;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&#8239;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Investor Fundamental
Warranties</U>&#8221; means the representations and warranties set forth in <U>Section&#8239;5.1(a)</U> (Authority; No Violation); and
<U>Section&#8239;5.3</U> (Broker&#8217;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Liens</U>&#8221;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Material Adverse
Effect</U>&#8221; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the
aggregate, has had or would reasonably be expected to (x)&#8239;have a material adverse effect on the business, properties, assets,
liabilities, results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with
respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A)&#8239;changes, after the date
hereof, in GAAP or applicable regulatory accounting requirements, (B)&#8239;changes, after the date hereof, in laws, rules&#8239;or
regulations applicable to federal savings associations operating in the United States or depository institutions operating in
Hawaii, or interpretations thereof by courts or Governmental Entities, (C)&#8239;changes, after the date hereof, in global, national,
regional or Hawaii political conditions (including the outbreak of war or acts of terrorism) or in economic or market conditions
(including equity, credit and debt markets, as well as changes in interest rates) affecting depository institutions operating in the
financial services industry generally in the United States, (D)&#8239;changes, after the date hereof, resulting from hurricanes,
earthquakes, tornados, floods, wildfires or other natural disasters, regardless of origin, or from any outbreak of any disease or
other public health event or public health conditions, (E)&#8239;public disclosure of the execution of this Agreement, public
disclosure or consummation of the transactions contemplated hereby (including any effect on a party&#8217;s relationships with its
customers or employees) or actions expressly required by this Agreement or that are taken with the prior written consent of the
other party in contemplation of the transactions contemplated hereby or (F)&#8239;the failure, in and of itself, to meet earnings
projections or internal financial forecasts (it being understood that the underlying causes of such decline or failure may be taken
into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted by this
proviso); except, with respect to subclauses (A), (B), (C), or (D)&#8239;to the extent that the effects of such change are
disproportionately adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to
federal savings associations operating in the United States or depository institutions operating in Hawaii, (y)&#8239;have a material
adverse effect on the ability of Bank to timely consummate the transactions contemplated hereby or (z)&#8239;any Governmental Entity
shall have appointed the FDIC as receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>OCC</U>&#8221; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Permitted Encumbrances</U>&#8221;
means (i)&#8239;statutory Liens securing payments not yet due, (ii)&#8239;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&#8239;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&#8239;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&#8239;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Post-Closing Tax
Period</U>&#8221; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Pre-Closing Tax Period</U>&#8221;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Regulatory Agencies</U>&#8221;
means (a)&#8239;any U.S. federal or state regulatory authority, (b)&#8239;the SEC, (c)&#8239;the Federal Reserve Board, (d)&#8239;the FDIC,
(e)&#8239;the OCC, (f)&#8239;the United States Department of Justice, (g)&#8239;any non-U.S. regulatory authority and (h)&#8239;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Representatives</U>&#8221;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>SEC</U>&#8221; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Securities Act</U>&#8221;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Seller Consolidated
Group</U>&#8221; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&#8217;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Seller Fundamental
Warranties</U>&#8221; means the representations and warranties set forth in <U>Section&#8239;3.1</U> (Organization), <U>Section&#8239;3.2(a)</U>&#8239;and
<U>Section&#8239;3.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;3.3</U> (Consents and Approvals), <U>Section&#8239;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&#8239;3.5</U> (Title to Bank Common Stock) and <U>Section&#8239;3.6</U> (Broker&#8217;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Seller Parent Fundamental
Warranties</U>&#8221; means the representations and warranties set forth in <U>Section&#8239;4.1</U> (Organization), <U>Section&#8239;4.2(a)</U>&#8239;and
<U>Section&#8239;4.2(b)(i)</U>&#8239;(Authority; No Violation), <U>Section&#8239;4.3</U> (Bank Common Stock) <U>Section&#8239;4.4</U> (Consents
and Approvals) and <U>Section&#8239;4.5</U> (Broker&#8217;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;<U>Seller
Taxes</U>&#8221; means, without duplication, (a)&#8239;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with
respect to any Straddle Period in accordance with Section&#8239;5.02 of the Separation Agreement and (b)&#8239;any Taxes of any person
(other than Bank) for which Bank is liable (i)&#8239;as a result of having been a member of an affiliated, consolidated, combined,
unitary or similar group prior to the Closing, (ii)</FONT>&#8239;as a transferee, successor or by contract (other than pursuant to
agreements which both (I)&#8239;were not primarily related to Taxes and (II)&#8239;were entered into in the ordinary course of
business consistent with past practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the
Closing or (iii)&#8239;pursuant to a breach of any covenants of Seller Parent or Seller in <U>Section&#8239;6.2</U> of this Agreement
or <U>Article&#8239;5</U> of the Separation Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&#8239;Taxes
otherwise borne by Investor pursuant to this Agreement, (B)&#8239;Taxes imposed on or with respect to Bank as a result of a breach by
Investor or Bank of <U>Section&#8239;6.3(b)</U>&#8239;of this Agreement or Section&#8239;5.06 of the Separation Agreement,
(C)&#8239;Taxes arising solely as a result of any actions taken by Investor or Bank on the Closing Date but after the time of Closing
that are outside of the ordinary course of business or not contemplated by this Agreement, (D)&#8239;Taxes (on a dollar-for-dollar
basis) in respect of which Investor has a corresponding claim for repayment, reimbursement or indemnification against a party other
than Seller Parent or Seller Parent&#8217;s affiliates, (E)&#8239;Taxes to the extent resulting from a change of law enacted after
the Closing Date, or (F)&#8239;Taxes to the extent reflected or reserved against in the Bank Financials, and Seller Taxes shall be
calculated by (X)&#8239;taking into account for the purposes of clause (a)&#8239;of this definition the amount of any Tax losses, Tax
credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&#8239;would have been
available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent Tax
audits) and (ii)&#8239;actually reduce such Seller Taxes, and (Y)&#8239;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>SRO</U>&#8221; means
(x)&#8239;any &#8220;self-regulatory organization&#8221; as defined in Section&#8239;3(a)(26) of the Exchange Act and (y)&#8239;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Straddle Period</U>&#8221;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Subsidiary</U>&#8221;
or &#8220;<U>subsidiary</U>&#8221; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Tax</U>&#8221; or
 &#8220;<U>Taxes</U>&#8221; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Taxing Authority</U>&#8221;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Tax Return</U>&#8221;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Transfer Taxes</U>&#8221;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8220;<U>Treasury Regulations</U>&#8221;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&#8239;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&#8239;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="white-space: nowrap; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:&#8239;&#8239;</FONT></TD>
    <TD STYLE="width: 44%">Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>Chairman</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 51 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kennedy Family Living Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Michael Kennedy</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="white-space: nowrap; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:&#8239;&#8239;</FONT></TD>
    <TD STYLE="width: 44%">Michael Kennedy</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>Trustee</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kennedy Family Living Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="3">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Amy Kennedy</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="width: 3%">&#8239;</TD>
    <TD STYLE="white-space: nowrap; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:&#8239;&#8239;</FONT></TD>
    <TD STYLE="width: 44%">Amy Kennedy</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>Trustee</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 53 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD COLSPAN="3">solely for purposes of the sections enumerated in the preamble, &#8239;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD COLSPAN="3">&#8239;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD COLSPAN="3">AMERICAN SAVINGS BANK, F.S.B.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD COLSPAN="3">&#8239;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD COLSPAN="3">&#8239;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
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<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Ann C. Teranishi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%">&#8239;</TD>
<TD STYLE="width: 3%">&#8239;</TD>
<TD STYLE="white-space: nowrap; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:&#8239;&#8239;</FONT></TD>
<TD STYLE="width: 44%">Ann C. Teranishi</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&#8239;</TD>
<TD>&#8239;</TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
<TD>President and Chief Executive Officer</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&#8239;Inc.</FONT></TD></TR>
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    <TD>&#8239;</TD>
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    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Scott Seu</FONT></TD></TR>
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    <TD STYLE="width: 3%">&#8239;</TD>
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    <TD>&#8239;</TD>
    <TD>&#8239;</TD>
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    <TD>President&amp; Chief Executive Officer</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&#8239;to Investment Agreement</I>]</P>

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<DOCUMENT>
<TYPE>EX-10.23
<SEQUENCE>24
<FILENAME>tm2432285d1_ex10-23.htm
<DESCRIPTION>EXHIBIT 10.23
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.23</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>Execution Version</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certain
confidential information contained in this document, marked by [***], has been omitted because the registrant has determined that the
information (i) is not material and (ii) is the type that the registrant treats as private or confidential.</B></FONT><B><I>&nbsp;</I></B></P>


<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">between</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>YOKO OTANI</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ASB HAWAII,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and solely for the purposes of the sections enumerated
in the preamble below,</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>AMERICAN SAVINGS BANK, F.S.B.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">and</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>HAWAIIAN ELECTRIC INDUSTRIES,&nbsp;INC.</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">December&nbsp;30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    I</B> INVESTMENT; CLOSING</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in; width: 15%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; width: 80%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Investment</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Investor Deliveries</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Seller Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Bank Deliveries at Closing</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 1.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    II</B> REPRESENTATIONS AND WARRANTIES OF BANK</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Absence of Certain Changes or
    Events</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Actions by Regulatory Agencies</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Investment Securities</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.17</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.18</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.19</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.20</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No-Broker Dealers</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.21</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Intercompany Obligations</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.22</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Customer Relationships</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.23</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Shell Company Status</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.24</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No Disqualification Events</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.25</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Other Investors</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.26</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Material Contracts</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.27</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.28</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sufficiency of Assets</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.29</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Critical Technologies</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 2.30</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No Other Representations or
    Warranties</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    III</B> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in; width: 15%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; width: 80%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Legal and Regulatory Proceedings</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Title to Bank Common Stock</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 3.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No Other Representations or
    Warranties</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    IV</B> REPRESENTATIONS AND WARRANTIES OF SELLER PARENT</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Organization</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Bank Common Stock</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 4.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No Other Representations or
    Warranties</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    V</B> REPRESENTATIONS AND WARRANTIES OF INVESTOR</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Investment Intent and Risk;
    Financial Capability</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Bank Regulatory Matters</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Restrictions on Transferability</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 5.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">No Other Representations or
    Warranties</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    VI</B> COVENANTS</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 6.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Treatment of Equity Awards at
    Closing</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 6.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 6.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Representation and Warranty
    Insurance Policy</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left"><FONT STYLE="font-size: 10pt"><B>Article
    VII</B> GENERAL PROVISIONS</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Amendment; Waiver</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.3</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Further Assurances</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.4</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.5</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.7</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.8</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.9</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.10</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.11</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.12</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.14</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Delivery by Facsimile or Electronic
    Transmission</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Section 7.16</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">41</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEX OF DEFINED TERMS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%; text-align: left">2010 Equity Plan</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 49%">Section 6.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Actual Fraud</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">affiliate</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Agreement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Anti-Corruption Laws</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Bank</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Benefit Plans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Disclosure Letter</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Article II</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank ERISA Affiliate</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Financials</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.6(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Fundamental Warranties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Owned Properties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.27(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Qualified Plans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Real Property</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.28(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Regulatory Agreement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.13</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Bank Service Provider</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 6.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">BHC Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">business day</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">CFIUS</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Chosen Courts</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.9(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Claim Notice</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Closing</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Closing Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 1.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Code</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Constituent Documents</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Direct Claim</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Disqualification Event</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Enforceability Exceptions</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Environmental Laws</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">ERISA</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Exchange Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">FCPA</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">FDIC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Federal Reserve Board</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">FFIEC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Filing Party</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Fundamental Warranty</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">GAAP</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Governmental Entity</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Home Owners&rsquo; Loan Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Indemnified Party</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Indemnifying Party</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Intellectual Property</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Intercompany Obligations</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.21</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Investment</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Investor</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Investor Fundamental Warranties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">IRS</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Issuer Covered Person</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">IT Assets</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">knowledge</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.6</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 49%">Legal Proceeding</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; width: 49%">Section 2.9(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Liens</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Loans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.17(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Losses</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">made available</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Material Adverse Effect</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Material Contract</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.26(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Multiemployer Plan</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Non-Filing Party</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 6.3(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">OCC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Order</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.9(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Investment</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Investment Agreement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Other Investors</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Part 16</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.23</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">PBGC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.11(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Permitted Encumbrances</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">person</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Post-Closing Tax Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Pre-Closing Tax Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Purchase Price</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Purchased Shares</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 1.1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">R&amp;W Insurance Policy</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 6.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Regulatory Agencies</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Representatives</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Response Notice</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Sanctioned Countries</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Sanctions</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.12(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SEC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Securities Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Security Breach</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 2.12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Seller</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Consolidated Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Fundamental Warranties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Parent</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Parent Fundamental Warranties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Parties</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Preamble</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Seller Taxes</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Separation Agreement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SRO</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Stockholders Agreement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Recitals</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Straddle Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Subsidiary</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Tax</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tax Return</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Taxing Authority</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Third Party Claim</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.1(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Transaction Expenses</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Transfer Taxes</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Treasury Regulations</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 7.16</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Waiver</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">Section 6.2</TD></TR>
  </TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INVESTMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INVESTMENT
AGREEMENT</B></FONT>, dated as of December&nbsp;30, 2024 (this &ldquo;<U>Agreement</U>&rdquo;), between Yoko Otani (&ldquo;<U>Investor</U>&rdquo;)
and ASB Hawaii,&nbsp;Inc., a Hawaii corporation (&ldquo;<U>Seller</U>&rdquo;). American Savings Bank, F.S.B., a federal savings bank
and a wholly owned subsidiary of Seller (&ldquo;<U>Bank</U>&rdquo;), is a party to this Agreement solely for purposes of <U>Section&nbsp;1.5</U>,
<U>Article&nbsp;II</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>. Hawaiian Electric Industries,&nbsp;Inc., a Hawaii corporation
(&ldquo;<U>Seller Parent</U>&rdquo; and, together with Seller and Bank, &ldquo;<U>Seller Parties</U>&rdquo;), is a party to this Agreement
solely for purposes of <U>Article&nbsp;IV</U>, <U>Article&nbsp;VI</U> and <U>Article&nbsp;VII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
Parent directly owns 100% of the issued and outstanding shares of common stock of Seller, and Seller directly owns 100% of the issued
and outstanding shares of common stock of Bank (&ldquo;<U>Bank Common Stock</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Seller
desires to sell to Investor, and Investor desires to purchase from Seller, 10 shares of Bank Common Stock (representing 0.11% of the
issued and outstanding shares of Bank Common Stock as of immediately prior to the Closing), subject to the terms and conditions of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller and Bank are entering into other definitive agreements with other investors (each, an &ldquo;<U>Other&nbsp;Investment&nbsp;Agreement</U>&rdquo;
and such investors, the &ldquo;<U>Other Investors</U>&rdquo;) providing for transactions substantially similar to the investment transaction
contemplated by this Agreement (such transaction or transactions, each, an &ldquo;<U>Other&nbsp;Investment</U>&rdquo; and, collectively,
the &ldquo;<U>Other&nbsp;Investments</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof,&nbsp;Investor and the Other Investors are entering into an agreement with Bank regarding certain rights and obligations
of such investors with respect to Bank (each, a &ldquo;<U>Stockholders Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;On
the date hereof, Seller Parent and Bank are entering into an agreement regarding certain separation and transitional matters (the &ldquo;</FONT><U>Separation
Agreement</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
parties desire to make certain representations, warranties and agreements in connection with the Investment and also to prescribe certain
conditions to the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOW</B></FONT>,
<B>THEREFORE</B>, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound by this Agreement, the parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>INVESTMENT;
CLOSING</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment</U>.
Subject to the terms and conditions of this Agreement, at the Closing, Seller shall sell, transfer and deliver to Investor, and Investor
shall purchase from Seller, 10 shares of Bank Common Stock (the &ldquo;<U>Purchased Shares</U>&rdquo;) for an aggregate purchase price
equal to $500,000 in cash (the &ldquo;<U>Purchase&nbsp;Price</U>&rdquo;), free and clear of any Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and Investor shall pay,
or cause to be paid, the Purchase Price to Seller (the transaction in this <U>Section&nbsp;1.1</U>, the &ldquo;<U>Investment</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Closing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to the terms and conditions of this Agreement, the closing of the Investment (the &ldquo;<U>Closing</U>&rdquo;) shall take place by electronic
exchange of documents at 12:01 a.m., Honolulu, Hawaii time on December&nbsp;31, 2024, unless another date, time or place is agreed to
in writing by Investor and Seller. The date on which the Closing occurs is referred to in this Agreement as the &ldquo;<U>Closing Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
a condition precedent to the Closing, Seller shall have received, by the close of business on the date of this Agreement, (a)&nbsp;a
fully executed version of this Agreement and each Other Investment Agreement and (b)&nbsp;each Purchase Price (as defined in the applicable
Other Investment Agreement) required to be paid to Seller on December&nbsp;31, 2024 pursuant to the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investor
Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
or prior to February&nbsp;28, 2025,&nbsp;Investor shall pay to Seller, or cause to be paid to Seller, an amount equal to the Purchase
Price by wire transfer of immediately available funds to one or more accounts (which shall be designated in writing (including the contact
information for an individual to verbally confirm such wire instructions) by Seller to Investor).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Bank a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>At
the Closing,&nbsp;Investor shall deliver to Seller or Bank such additional instruments, documents or certificates as reasonably necessary
for the consummation of the Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Seller
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor book-entry evidence of the Purchased Shares in the name of Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a duly executed and valid IRS Form&nbsp;W-9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor a certificate of good standing of Seller issued by the Secretary of State of the State of Hawaii.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the adopted resolutions, or duly executed written consents, of (i)&nbsp;the board
of directors of Seller, (ii)&nbsp;the board of directors of Bank and (iii)&nbsp;the board of directors of Seller Parent, in each case,
approving the transactions contemplated by this Agreement, the Other Investment Agreements, the Separation Agreement and Stockholders
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor true and correct copies of the resolutions, or duly executed written consent, of Seller appointing the directors
contemplated by the Stockholders Agreement to the board of directors of Bank, effective as of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Deliveries at Closing</U>. At the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a duly executed counterpart to the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor a certificate of corporate existence of Bank issued by the OCC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor confirmation of Bank&rsquo;s status as an FDIC-insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
shall deliver to Investor such additional instruments, documents or certificates as reasonably necessary for the consummation of the
Investment at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Withholding</U>.
The parties agree that, under currently applicable law and provided Seller delivers the IRS Form&nbsp;W-9 pursuant to <U>Section&nbsp;1.4(b)</U>,
no deduction and withholding is required from the consideration otherwise payable or deliverable to Seller in connection with the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF BANK</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
letter delivered by Bank to Investor concurrently herewith (the &ldquo;<U>Bank Disclosure Letter</U>&rdquo;) (it being understood that
(a)&nbsp;no item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related
representation or warranty being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Bank Disclosure Letter as
an exception to a representation or warranty shall not be deemed an admission by Bank that such item represents a material exception
or fact, event or circumstance or that such item would be material or have a Material Adverse Effect with respect to Bank and (c)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;II</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;II</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;II</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure
that such disclosure applies to such other sections), Bank (but only in respect of representations and warranties concerning Bank; it
being understood that, without limiting <U>Section&nbsp;7.1(i)</U>, Bank shall have no liability for representations concerning Seller
or Seller Parent and that Seller shall have no liability for representations concerning Seller Parent) hereby represents and warrants
to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has the corporate power and authority to own, lease or operate all of its properties and assets and to carry on its business as it is
now being conducted in all material respects. Bank is duly licensed or qualified to do business and in good standing in each jurisdiction
in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated
by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in
good standing would not, either individually or in the aggregate, be material to Bank. True and complete copies of the Constituent Documents
of Bank as in effect as of the date of this Agreement, have previously been made available by Bank to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is a federal savings bank duly organized, validly existing and chartered under the laws of the United States. The deposit accounts of
Bank are insured by the FDIC through the Deposit Insurance Fund (as defined in Section&nbsp;3(y)&nbsp;of the Federal Deposit Insurance
Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been
paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Bank, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
authorized capital stock of Bank consists of (i)&nbsp;9,000 shares of common stock, par value $1.00 per share, all of which are issued
and outstanding and (ii)&nbsp;8,000,000 shares of preferred stock without par value, none of which is issued and outstanding. The Bank
Common Stock represents the only issued or outstanding shares of capital stock or other voting securities or equity interests (including
any (x)&nbsp;interest that confers on a person the right to receive a unit of the profits and losses of, or distribution of assets of,
or is derivative of the value of, Bank (including phantom units or interests or &ldquo;profits interests&rdquo;), (y)&nbsp;subscription,
call, warrant, option, restricted share, restricted stock unit, stock appreciation right, contingent value right, performance unit, incentive
unit or other commitment of any kind or character relating to, or entitling any person to purchase or otherwise acquire any of the foregoing
and (z)&nbsp;security directly or indirectly convertible into, or exercisable or exchangeable for, any of the foregoing) of Bank that
are issued and outstanding, all of which are owned directly by Seller. All shares of Bank Common Stock are duly authorized and validly
issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
Other than this Agreement, the Other Investment Agreements and the Stockholders Agreement, there are no voting trusts, shareholder agreements,
proxies, or other agreements in effect with respect to the voting, issuance or transfer of Bank Common Stock or other equity interests
of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has no Subsidiaries. Bank does not have any equity interests or other investments in any corporation, limited liability company, partnership,
trust or joint venture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Immediately
after the Closing, (i)&nbsp;the record and beneficial owners of all equity securities of Bank will be as set forth on Section&nbsp;2.2(c)&nbsp;of
the Bank Disclosure Letter and (ii)&nbsp;neither Investor nor any other record or beneficial owner of securities of Bank will own or
have the power to vote more than nine and nine-tenths percent (9.9%) of any class of voting securities of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has full corporate power and authority to execute and deliver this Agreement, the Other Investment Agreements, the Separation Agreement
and the Stockholders Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement has been duly
and validly approved by the Board of Directors of Bank. No other corporate proceedings on the part of Bank are necessary to approve this
Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders Agreement or to consummate the Investment or
the transactions contemplated thereby. This Agreement, the Other Investment Agreements, the Separation Agreement and the Stockholders
Agreement have been duly and validly executed and delivered by Bank and (assuming due authorization, execution and delivery by each of
Seller Parent, Seller and Investor) constitute legal, valid and binding obligations of Bank, enforceable against Bank in accordance with
their respective terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization
or similar laws of general applicability affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement, nor any Other Investment Agreement, the Separation Agreement nor the Stockholders Agreement
by Bank, nor the consummation by Bank of the transactions contemplated hereby or thereby, nor compliance by Bank with any of the terms
or provisions hereof or thereof, will (i)&nbsp;violate any provision of the Constituent Documents of Bank, or (ii)&nbsp;subject to the
securities laws referred to in <U>Section&nbsp;2.4</U> and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U>
with respect to each Investor, (x)&nbsp;violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
injunction applicable to Bank or any of its properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute
a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by,
or result in the creation of any Lien upon any of the properties or assets of Bank under, any of the terms, conditions or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Bank is a
party, or by which it or its properties or assets may be bound, except (in the case of clauses&nbsp;(x)&nbsp;and (y)&nbsp;above) for
such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations that, either individually or
in the aggregate, would not be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, or notice to, any Governmental Entity is required on the part of Bank in connection
with the execution, delivery and performance by Bank of this Agreement, the Stockholders Agreement and the Other Investment Agreements
and the consummation by Bank of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reports</U>.
Bank has timely filed (or furnished) all reports, forms, correspondence, registrations and statements, together with any amendments required
to be made with respect thereto, that it was required to file (or furnish, as applicable) since January&nbsp;1, 2022 with any Regulatory
Agencies including any report, form, correspondence, registration, notification or statement required to be filed (or furnished, as applicable)
pursuant to the laws, rules&nbsp;or regulations of the United States, any state, any foreign entity or any Regulatory Agency, and has
paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such
report, form, correspondence, registration, notification or statement or to pay such fees and assessments, either individually or in
the aggregate, would not be material to Bank. Subject to <U>Section&nbsp;7.14</U>, since January&nbsp;1, 2022, (a)&nbsp;no Governmental
Entity has initiated or has pending any material proceeding, or, to the knowledge of Bank, investigation into the business or operations
of Bank, (b)&nbsp;there is no material unresolved violation, criticism, or exception by any Governmental Entity with respect to any report
or statement relating to any examinations or inspections of Bank and (c)&nbsp;there have been no material formal or informal disagreements
or disputes with any Governmental Entity with respect to the business, operations, policies or procedures of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Financial
Statements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has previously made available to Investor true, complete and correct copies of Bank&rsquo;s audited financial statements (including any
related notes and schedules thereto and the signed, unqualified opinion of its independent auditor) for the fiscal years ended December&nbsp;31,
2023 and December&nbsp;31, 2022 and complete and correct copies of Bank&rsquo;s call reports filed with the FFIEC for the three-month
periods ended March&nbsp;31, 2024, June&nbsp;30, 2024 and September&nbsp;30, 2024 (collectively, the &ldquo;<U>Bank Financials</U>&rdquo;).
The Bank Financials (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Bank, (ii)&nbsp;fairly present
in all material respects the statements of income, statements of comprehensive income, statements of cash flows, statements of equity
and statements of condition of Bank for the respective fiscal periods or as of the respective dates therein set forth and (iii)&nbsp;have
been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements
or in the notes thereto. Since January&nbsp;1, 2022, no independent public accounting firm of Bank has resigned (or informed Bank that
it intends to resign) or been dismissed as independent public accountants of Bank as a result of or in connection with any disagreements
with Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank has no liability of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against
on the balance sheet of Bank included in the Bank Financials and for liabilities incurred in the ordinary course of business consistent
with past practice since September&nbsp;30, 2024 or in connection with this Agreement, the Other Investment Agreements, the Separation
Agreement and the Stockholders Agreement and the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains in all material respects accurate books and records. The records, systems, controls, data and information of Bank are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not)
that are under the exclusive ownership of Bank or its accountants (including all means of access thereto and therefrom), except for any
non-exclusive ownership that would not be material to Bank. Bank has been subject to since January&nbsp;1, 2022, and continues to be
subject to, a system of internal controls over financial reporting established and maintained by Bank. Such internal controls are designed
to provide reasonable assurance regarding the reliability of Bank&rsquo;s financial reporting and the preparation of Bank&rsquo;s financial
statements for external purposes in accordance with GAAP. Bank has disclosed, based on its most recent evaluation of its internal accounting
controls by its chief executive officer and chief financial officer prior to the date hereof, to Bank&rsquo;s external auditors and its
Audit Committee (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls which would
adversely affect the ability of Bank to record, process, summarize and report financial information for inclusion in the applicable financial
statements and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role
in Bank&rsquo;s internal controls over financial reporting relating to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Since
January&nbsp;1, 2022, (i)&nbsp;neither Bank, nor any director or officer of Bank, nor, to the knowledge of Bank, any auditor, accountant
or representative of Bank, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim,
whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Bank or its internal accounting controls, including any material complaint,
allegation, assertion or claim that Bank has engaged in questionable accounting or auditing practices and (ii)&nbsp;no employee of or
attorney representing Bank, whether or not employed by Bank, has reported evidence of a material violation of securities laws or banking
laws, breach of fiduciary duty or similar violation by Bank or any of its officers, directors, employees or agents to the Board of Directors
of Bank or any committee thereof, or to the knowledge of Bank, to any director or officer of Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
allowances for credit losses contained in the Bank Financials were established in accordance with the practices and experiences of Bank,
and were adequate under and in accordance with the requirements of GAAP and/or requirements under applicable law (including applicable
regulatory accounting principles) to provide for possible losses on loans (including accrued interest receivable) and credit commitments
(including stand-by letters of credit) outstanding as of the date of the balance sheet in such Bank Financials. Bank adopted and fully
implemented the Financial Accounting Standard Board&rsquo;s Current Expected Credit Loss (CECL) impairment standard effective as of January&nbsp;1,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Bank nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Absence
of Certain Changes or Events</U>. Since January&nbsp;1, 2024:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would have, either individually
or in the aggregate, a Material Adverse Effect with respect to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not declared, set aside or paid any dividend or other distribution (whether in cash, stock or other property or any combination thereof)
or redeemed, repurchased or otherwise acquired any equity securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has conducted its business in the ordinary course consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;
Bank has not issued, sold or otherwise disposed of any Bank Common Stock or other equity interests of Bank; (ii)&nbsp;granted, or entered
into any agreements to grant, any options, warrants, puts, calls, subscriptions, rights, claims, commitments or other rights of any character
relating to the issuance, sale, purchase, redemption, conversion, exchange, registration, voting or transfer of any Bank Common Stock
or other equity interests of Bank; or (iii)&nbsp;entered into any agreements to modify the rights of any of Bank Common Stock or other
equity interests of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any material change in any of its Tax Returns, Tax elections or Tax accounting methods, except as required by applicable
law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not made any change to the its accounting methods, principles or practices that affects the reporting of assets, liabilities or results
of operations, except as required by GAAP or applicable law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not agreed in writing to do any of the foregoing, other than pursuant to this Agreement, the Other Investment Agreements, the Stockholders
Agreement and the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>. Subject to <U>Section&nbsp;7.14</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any, and there are no pending or threatened in writing or, to Bank&rsquo;s knowledge, otherwise threatened, legal,
administrative, arbitral or other proceedings, claims, audit, examination, actions or governmental or regulatory investigations by or
before any Governmental Entity (each, a &ldquo;<U>Legal Proceeding</U>&rdquo;) of any nature against Bank or any of its current or former
directors or executive officers (in each of their capacities as such) (i)&nbsp;that would, individually or in the aggregate, reasonably
be expected to result in a material restriction on Bank, (ii)&nbsp;that would reasonably be expected to be material to Bank or (iii)&nbsp;challenging
the validity or propriety of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any material Legal Proceeding and, to the knowledge of Bank, no material Legal Proceeding is threatened, which, in
either case, claims that Bank is subject to liability on behalf of Seller, Seller Parent or any other Subsidiary of Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no injunction, order, judgment, writ, directive, enforcement action, decree, or regulatory restriction of any Governmental Entity
(each, an &ldquo;<U>Order</U>&rdquo;) imposed upon Bank or any of its current or former directors or executive officers (in each of their
capacities as such) or the assets of Bank that would reasonably be expected to, either individually or in the aggregate, be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Bank, threatened
against Bank. As of the date hereof, Bank is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Taxes
and Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has duly and timely filed (including all applicable extensions) all income and other material Tax Returns in all jurisdictions in which
Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Bank is
not the beneficiary of any extension of time within which to file any such income or other material Tax Return (other than extensions
to file Tax Returns automatically obtained in the ordinary course of business). All income and other material Taxes of Bank (whether
or not shown on any Tax Returns) that are due to be paid by Bank have been fully and timely paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has withheld and properly and timely remitted all material amounts of Taxes required to have been withheld and remitted in connection
with amounts paid or owing to any employee, creditor, depositor, shareholder, independent contractor or other third party, including
backup withholding requirements, and has complied in all material respects with all information reporting and recordkeeping requirements
with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and no disputes,
claims, audits, examinations or other proceedings regarding any material Tax of Bank or the assets of Bank are pending or have been threatened
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to or bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or
arrangement exclusively between or among Bank and any other member(s)&nbsp;of the Seller Consolidated Group or pursuant to agreements
which both (i)&nbsp;were not primarily related to Taxes and (ii)&nbsp;were entered into in the ordinary course of business consistent
with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Bank is and has always been classified as a &ldquo;C corporation&rdquo; for U.S. federal, and applicable state and local, income tax
purposes. The Bank has never elected pursuant to 1362(a)&nbsp;of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;),
to be treated as a Subchapter S corporation as defined in Code Section&nbsp;1361(a)&nbsp;or a qualified subchapter S subsidiary as defined
in Code Section&nbsp;1361(b)(3)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
(i)&nbsp;has not been a member of an affiliated, consolidated, combined or unitary group for income Tax purposes (other than the Seller
Consolidated Group) or (ii)&nbsp;has no liability for the Taxes of any person (other than any member of the Seller Consolidated Group)
under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor
or by contract (other than pursuant to agreements which both (A)&nbsp;were not primarily related to Taxes and (B)&nbsp;were entered into
in the ordinary course of business consistent with past practice).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not been, within the past two (2)&nbsp;years a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 or Section&nbsp;361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not participated in a &ldquo;listed transaction&rdquo; within the meaning of Section&nbsp;6707A(c)&nbsp;of the Code and Treasury
Regulations Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not granted (and Bank is not subject to) any extension or waiver currently in effect of the statute of limitations for the assessment
of any material Tax of Bank (other than any such extension or waiver granted in the ordinary course).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no Liens for Taxes against any of the assets of Bank, other than Permitted Encumbrances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not, and has not been, a United States real property holding corporation (as defined in Section&nbsp;897(c)(2)&nbsp;of the Code) during
the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
will not be required to include any material item of income in, or exclude any material item of deduction from, taxable income for any
taxable period (or portion thereof) beginning on or after the Closing Date, as a result of (i)&nbsp;any change in accounting method made
before the Closing under Section&nbsp;481(c)&nbsp;of the Code, (ii)&nbsp;an installment sale or open transaction disposition made prior
to the Closing, (iii)&nbsp;a prepaid amount received on or prior to the Closing Date (other than in the ordinary course of business),
(iv)&nbsp;any deferred intercompany gain or excess loss account described in Treasury Regulations under Code Section&nbsp;1502 (or any
corresponding or similar provision state, local or non-U.S. law) with respect to a transaction that occurred prior to Closing or (v)&nbsp;a
 &ldquo;closing agreement&rdquo; described in Section&nbsp;7121 of the Code (or any corresponding provision of state, local or non-U.S.
income Tax law) entered into prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
does not have a branch or permanent establishment in any country outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nothing in this <U>Section&nbsp;2.10</U> or otherwise
in this Agreement shall be construed as a representation or warranty with respect to the amount, value or availability in any Post-Closing
Tax Period of any net operating loss, capital loss, Tax credit, Tax basis or other Tax asset or attribute of Bank. It is agreed and understood
that no representation or warranty is made by Seller, Bank or their affiliates in respect of Tax matters in any section of this Agreement,
other than this <U>Section&nbsp;2.10</U> and relevant parts of <U>Section&nbsp;2.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Employee
Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
purposes of this Agreement, the term &ldquo;<U>Bank Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of
the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all cash, equity
or equity-based, bonus or incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, termination,
change in control, retention, employment, welfare, insurance, medical, fringe or other benefit plans, programs, agreements, contracts,
policies, arrangements or remuneration of any kind with respect to which Bank is a party or has any current or future obligation, or
that are maintained, contributed to or sponsored by Bank for the benefit of any current or former employee, officer, director or individual
independent contractor of Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, each Bank Benefit Plan has been established, operated and administered in all material respects in
accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. The Internal Revenue Service (the
 &ldquo;<U>IRS</U>&rdquo;) has issued a favorable determination letter or opinion letter with respect to each Bank Benefit Plan that is
intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code (the &ldquo;<U>Bank Qualified Plans</U>&rdquo;) and the related trust,
which determination letter or opinion letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Seller,
there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status
of any Bank Qualified Plan or the related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not be material to Bank, with respect to each Bank Benefit Plan that is subject to Section&nbsp;302 or Title&nbsp;IV of ERISA
or Section&nbsp;412, 430 or 4971 of the Code: (i)&nbsp;the minimum funding standard under Section&nbsp;302 of ERISA and Sections&nbsp;412
and 430 of the Code has been satisfied and no waiver of any minimum funding standard or any extension of any amortization period has
been requested or granted, (ii)&nbsp;no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section&nbsp;430 of the Code, (iii)&nbsp;the
present value of accrued benefits under such Bank Benefit Plan, based upon the actuarial assumptions used for funding purposes in the
most recent actuarial report prepared by such Bank Benefit Plan&rsquo;s actuary with respect to such Bank Benefit Plan, did not, as of
its latest valuation date, exceed the then current fair market value of the assets of such Bank Benefit Plan allocable to such accrued
benefits, (iv)&nbsp;no reportable event within the meaning of Section&nbsp;4043(c)&nbsp;of ERISA for which the 30-day notice requirement
has not been waived has occurred, (v)&nbsp;all premiums to the Pension Benefit Guarantee Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (vi)&nbsp;no liability (other than for premiums to the PBGC) under Title&nbsp;IV of ERISA has been or
is expected to be incurred by Seller or Bank and (vii)&nbsp;the PBGC has not instituted proceedings to terminate any such Bank Benefit
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is, and neither Bank nor any trade or business, whether or not incorporated, which together with Bank would be considered
a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;4001 of ERISA (a &ldquo;<U>Bank ERISA Affiliate</U>&rdquo;) has, at
any time during the last six (6)&nbsp;years, contributed to or been obligated to contribute to any &ldquo;multiemployer plan&rdquo; within
the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), and neither Bank nor any Bank ERISA
Affiliate has incurred any material liability that has not been satisfied in full to a Multiemployer Plan as a result of a complete or
partial withdrawal (as those terms are defined in Part&nbsp;I of Subtitle&nbsp;E of Title&nbsp;IV of ERISA) from a Multiemployer Plan
except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>All
contributions required to be made by Bank to each Bank Benefit Plan by law or by the terms of such Bank Benefit Plan, and all premiums
due or payable with respect to insurance policies funding any Bank Benefit Plan, for any period through the date of this Agreement have
been timely made or paid in full or, to the extent not required to be made or paid on or before the date of this Agreement, have been
fully reflected in the Bank Financials except as would not be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no pending or, to the knowledge of Bank, threatened claims (other than claims for benefits in the ordinary course) which have been
asserted or instituted against or relating to any Bank Benefit Plan that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>No
Bank Benefit Plan is maintained for the benefit of any current or former employee, officer, director or other service provider of Seller
or Bank who, while employed or engaged by Seller or Bank, primarily resides or provides services outside of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is, and has been since January&nbsp;1, 2022, in compliance in all respects with all applicable laws respecting employment and employment
practices, terms and conditions of employment, worker classification, disability, immigration, health and safety, wages, hours and benefits,
non-discrimination in employment and workers&rsquo; compensation, except, as would not, individually or in the aggregate, reasonably
be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
is not a party to any collective bargaining agreements and there is no labor strike, slowdown, work stoppage&nbsp;or lockout pending
or, to the knowledge of Bank, threatened, with respect to any Bank employees that would be material to Bank. Bank has not agreed to recognize
any union or other collective bargaining representative and there has been no demand made or, to the knowledge of Bank, threatened for
recognition by any labor union. To the knowledge of Bank, there have been no efforts by any labor union seeking to organize any of its
employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not incurred any liability under the Worker Adjustment and Retraining Notification Act and the regulations promulgated thereunder
or comparable Hawaii state law provisions that remains unsatisfied that would be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has not engaged in any unfair labor practice, and there is no complaint for unfair labor practice against Bank pending or, to the knowledge
of Bank, threatened before the National Labor Relations Board or any comparable Governmental Entity which would reasonably be expected
to have a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution nor delivery of this Agreement nor the transactions contemplated by this Agreement would, alone or in combination with
any other event, (i)&nbsp;entitle any current or former employee, director, individual consultant, officer or other individual service
provider of Bank to, or result in any increase in the amount or enhancement to the terms of, any severance pay, (ii)&nbsp;trigger any
increased or accelerated contributions to any Bank Benefit Plan or trigger any change in the funding or covenant support arrangements
for any Bank Benefit Plan or (iii)&nbsp;accelerate the time of payment, vesting or funding of compensation or benefits due to any such
employee, director, individual consultant, officer or other individual service provider.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Compliance
with Applicable Law</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
holds, and has at all times since January&nbsp;1, 2022, held, all licenses, registrations, franchises, certificates, variances, permits,
charters and authorizations necessary for the lawful conduct of its businesses and ownership of its properties, rights and assets under
and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost
of failure to hold nor the cost of obtaining and holding such license, registration, franchise, certificate, variance, permit, charter
or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, be material to Bank,
and, to the knowledge of Bank, no suspension, termination, refusal or renewal or cancellation of any such necessary license, registration,
franchise, certificate, variance, permit, charter or authorization is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, Bank, and each of Seller Parent and Seller in taking any
action related to the business operations of Bank, has complied with and is not in default or violation under any applicable law, statute,
Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Bank, including (i)&nbsp;all applicable laws
and regulations (and publicly posted policies) relating to the privacy and security of data or information that constitutes personal
data, personally identifiable information, or personal information under applicable law or regulation and (ii)&nbsp;the USA PATRIOT Act,
the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair
Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices
Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by
the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE
Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title&nbsp;V of the Gramm-Leach-Bliley Act,
any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and
any other law, policy or guideline relating to bank secrecy, discriminatory lending, financing or leasing practices, consumer protection,
money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections&nbsp;23A and 23B of the Federal Reserve
Act, the Sarbanes-Oxley Act, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 and the implementing
regulations thereunder, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Neither
is the Bank now, nor has it ever been since January&nbsp;1, 2023, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage, commercial
or consumer loans. Bank has established and maintains a system of internal controls designed to assure compliance by Bank with applicable
financial recordkeeping and reporting requirements of applicable money laundering prevention laws in jurisdictions where Bank conducts
business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>None
of Bank, any director or officer of Bank or, to the knowledge of Bank, any agent, employee, stockholder, partner, member, affiliate,
or other person acting on behalf of Bank has been, since January&nbsp;1, 2022, or is currently (i)&nbsp;engaged in any services (including
financial services), transfers of goods, software, or technology, or any other business activity involving (A)&nbsp;Cuba,&nbsp;Iran,
North Korea, Syria or the Crimea, Donetsk, or Luhansk regions of Ukraine (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (B)&nbsp;the government
of any Sanctioned Country or Venezuela, (C)&nbsp;any person located in, resident in, formed under the laws of, or owned or controlled
by the government of Venezuela or of any Sanctioned Country, or (D)&nbsp;any person made subject to or the target of any sanctions administered
or enforced by the United States Government, including the list of Specially Designated Nationals of the Office of Foreign Assets Control
of the United States Department of Treasury, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury,
or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (ii)&nbsp;engaged in any transfers of goods, software,
technologies or services (including financial services) that would reasonably be expected to assist the governments of Sanctioned Countries
or facilitate money laundering or other activities proscribed by applicable laws, (iii)&nbsp;subject to or the target of any U.S. sanctions
administered by the Office of Foreign Assets Control of the United States Department of Treasury; or (iv)&nbsp;located, organized or
resident in any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has, and at all times during the past three (3)&nbsp;years has had, a Community Reinvestment Act rating no lower than &ldquo;Satisfactory&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
maintains a written information security program and takes commercially reasonable measures designed to protect the privacy, confidentiality,
integrity, availability and security of all hardware, software, databases, systems, networks, websites, applications and other information
technology assets and equipment (collectively, &ldquo;<U>IT Assets</U>&rdquo;) and nonpublic personal information used in its business
against any (i)&nbsp;loss or misuse of nonpublic personal information, (ii)&nbsp;unauthorized access or unlawful operations performed
upon such IT Assets or nonpublic personal information or (iii)&nbsp;other act or omission that materially compromises the security or
confidentiality of the IT Assets or nonpublic personal information (clauses (i)&nbsp;through (iii), a &ldquo;<U>Security Breach</U>&rdquo;).
Since January&nbsp;1, 2022, Bank has not experienced any Security Breach that would, individually or in the aggregate, have a Material
Adverse Effect with respect to Bank. To the knowledge of Bank, there are no material data security or other technological vulnerabilities,
viruses, malware or other corruptants with respect to the IT Assets owned by and used in Bank&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Without
limitation, neither Bank, nor any director or officer of Bank, nor to the knowledge of Bank, any employee, agent or other person acting
on behalf of Bank has, directly or indirectly, (i)&nbsp;used any funds of Bank for unlawful contributions, unlawful gifts, unlawful entertainment
or other expenses relating to political activity, (ii)&nbsp;made any unlawful payment to foreign or domestic governmental officials or
employees or to foreign or domestic political parties or campaigns from funds of Bank, (iii)&nbsp;violated any provision that would result
in the violation of the FCPA, or any similar law, (iv)&nbsp;established or maintained any unlawful fund of monies or other assets of
Bank, (v)&nbsp;made any fraudulent entry on the books or records of Bank or (vi)&nbsp;made any unlawful bribe, unlawful rebate, unlawful
payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Bank, to
pay for favorable treatment for business secured or to pay for special concessions already obtained for Bank, or is currently subject
to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except,
in each case, as would not, either individually or in the aggregate, be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, (i)&nbsp;Bank has properly administered all accounts for
which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign
law; and (ii)&nbsp;neither Bank nor any of its directors, officers or employees has committed any breach of trust or fiduciary duty with
respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately
reflect the assets and results of such fiduciary account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank,
its directors and officers and, to the knowledge of Bank, its other representatives are and have been since January&nbsp;1, 2022 in compliance
with all Anti-Corruption Laws in all material respects. Neither Bank nor any of its directors or officers nor, to the knowledge of Bank,
any of its other representatives, (i)&nbsp;is or, since January&nbsp;1, 2022 has been, charged with or received written notice of any
violation of any Anti-Corruption Laws, or (ii)&nbsp;to the knowledge of Bank, is, or since January&nbsp;1, 2022 has been, under investigation
with respect to any violation of any Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Actions
by Regulatory Agencies</U>. Subject to <U>Section&nbsp;7.14</U>, Bank is not subject to any cease-and-desist or other order or enforcement
action issued by, nor is Bank a party to any written agreement, consent agreement or memorandum of understanding with, nor is Bank a
party to any commitment letter or similar undertaking to, nor is subject to any order or directive by, nor has Bank been ordered to pay
any civil money penalty by, nor since January&nbsp;1, 2022, has Bank adopted any policies, procedures or board resolutions at the request
or suggestion of, any Regulatory Agency or other Governmental Entity that currently materially restricts the ordinary course operations
of Bank or that in any material manner relates to its capital adequacy, its credit or risk management policies, its management or its
ability to consummate the transactions contemplated hereby in a timely manner (each, whether or not set forth in the Bank Disclosure
Letter, a &ldquo;<U>Bank Regulatory Agreement</U>&rdquo;), nor since January&nbsp;1, 2022 has Bank been advised in writing by any Regulatory
Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Bank Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Environmental
Matters</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank, Bank
is in compliance, and has complied since January&nbsp;1, 2022, with any Environmental Laws. There are no legal, administrative, arbitral
or other proceedings, claims or actions or, to the knowledge of Bank, any private environmental investigations or remediation activities
or governmental investigations of any nature seeking to impose, or that could reasonably be expected to result in the imposition, on
Bank, of any liability or obligation arising under any Environmental Law pending or threatened against Bank, which liability or obligation
would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. To the knowledge of Bank, there
is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any liability or obligation
that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank. Except as set forth on Section&nbsp;2.14
of the Bank Disclosure Letter, Bank is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of agreement
by or with any court, Governmental Entity, Regulatory Agency or other third party imposing any liability or obligation with respect to
the foregoing that would have, either individually or in the aggregate, a Material Adverse Effect with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has good title in all material respects to all securities owned by it (except those sold under repurchase agreements) which are material
to Bank&rsquo;s business, free and clear of any Lien, except to the extent such securities are pledged in the ordinary course of business
to secure obligations of Bank. Such securities are valued on the books of Bank in accordance with GAAP in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
employs investment, securities, commodities, risk management and other policies, practices and procedures that Bank believes in good
faith are prudent and reasonable in the context of its businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intellectual
Property</U>. Except as would not, either individually or in the aggregate, be material to Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns (in each case, free and clear of any material Liens (other than Permitted Encumbrances)), all Intellectual Property owned or purported
to be owned by Bank which is material to the conduct of Bank&rsquo;s business as currently conducted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
operation of Bank&rsquo;s businesses does not infringe, misappropriate or otherwise violate the intellectual property rights of any third
party (other than patents), and, to the knowledge of Bank, any patents of any third party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written communication alleging from any person that Bank has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>to
the knowledge of Bank, no person is challenging, infringing on or otherwise violating any right of Bank with respect to any Intellectual
Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>since
January&nbsp;1, 2022, Bank has not received any written notice of any pending claim contesting or challenging the ownership or validity
of any Intellectual Property owned by Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
has taken commercially reasonable measures designed to protect the confidentiality of all material trade secrets that are included in
the Intellectual Property owned by Bank, and, to the knowledge of Bank, such trade secrets have not been disclosed by Bank to any person
(other than directors, officers and employees of Seller and Seller Parent) except pursuant to appropriate nondisclosure agreements; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
owns or has a license or other right to use all Intellectual Property that is used in its business, and no material proprietary software
owned by Bank (i)&nbsp;has had any material source code placed in escrow for the benefit of a third party or (ii)&nbsp;incorporates or
is derived from software licensed under any &ldquo;open source&rdquo; license that requires the licensing or availability of source code
upon its incorporation into such proprietary software.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.17&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Loan
Portfolio</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each written or oral loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
of Bank (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to
be, (ii)&nbsp;to the extent carried on the books and records of Bank as secured Loans, has been secured by valid charges, mortgages,
pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii)&nbsp;is
the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability
Exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not, either individually or in the aggregate, be material to Bank, each outstanding Loan of Bank (including Loans held for resale
to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files
are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written
underwriting standards of Bank (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
are no extensions of credit by Bank to any employee, officer, director (as such terms are defined in Regulation O of the Federal Reserve
Board (12 C.F.R. Part&nbsp;215)) of Bank or an affiliate of Bank or to any other affiliate of Bank on which the borrower is paying a
rate other than that reflected in the note or the relevant credit agreement or on which the borrower is paying a rate that was below
market at the time the extensions of credit were made or that were not made in material compliance with all applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Except
as would not reasonably be expected to, either individually or in the aggregate, be material to Bank with respect to each Loan that is
secured, whether in whole or in part, by a guaranty of the United States Small Business Administration or any other Governmental Entity,
such guaranty is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.18&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Insurance</U>.
Bank is insured with reputable insurers against such risks and in such amounts consistent with industry practice, and Bank is in material
compliance with its insurance policies and is not in default under any of the material terms thereof. Except as disclosed in Section&nbsp;2.18
of the Bank Disclosure Letter, (a)&nbsp;each such policy is outstanding and in full force and effect, (b)&nbsp;all premiums and other
payments due under any such policy have been paid, and all Bank claims thereunder have been filed in due and timely fashion, (c)&nbsp;there
is no claim for coverage by Bank pending under any insurance policy as to which coverage has been questioned, denied or disputed by the
underwriters of such insurance policy and (d)&nbsp;Bank has not received notice of any threatened termination of, premium increase that
Bank would be responsible for with respect to, or alteration of coverage under, any insurance policies, in each case, except as would
not be material to Bank individually or in the aggregate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.19&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Risk
Management Instruments</U>. Except as would not, either individually or in the aggregate, be material to Bank, all interest rate swaps,
caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements,
whether entered into for the account of Bank or for the account of a customer of Bank, were entered into in the ordinary course of business
and in accordance with applicable rules, regulations and policies of any Governmental Entity and with counterparties reasonably believed
to be financially responsible at the time and are legal, valid and binding obligations of Bank enforceable in accordance with their terms
(except as may be limited by the Enforceability Exceptions). Except as would not, either individually or in the aggregate, be material
to Bank, Bank has duly performed in all material respects all its obligations thereunder to the extent that such obligations to perform
have accrued, and there are no material breaches, violations or defaults or bona fide allegations or assertions of such by any party
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.20&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No-Broker
Dealers</U>. Bank is not and in the past 10 years has never been required to be registered, licensed, qualified or authorized, as a broker-dealer
under the Exchange Act or under any other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.21&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Intercompany
Obligations</U>. Section&nbsp;2.21 of the Bank Disclosure Letter sets forth all contracts, obligations, commitments and arrangements,
including all account, note or loan payables and all advances (cash or otherwise) or any other extensions of credit, between Seller or
any of its affiliates (other than Bank), on the one hand, and Bank, on the other hand (collectively, the &ldquo;<U>Intercompany Obligations</U>&rdquo;).
All such Intercompany Obligations (other than the Stockholders Agreement and Separation Agreement) will be terminated at Closing. Bank
has made available to Investor a true, correct and complete copy of the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.22&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Customer
Relationships</U>. Except as would not be material to Bank, since January&nbsp;1, 2022, each trust, insurance or wealth management customer
of Bank has been originated and serviced (i)&nbsp;in conformity with the applicable policies of Bank, (ii)&nbsp;in accordance with the
terms of any applicable contract governing the relationship with such customer and (iii)&nbsp;in compliance with all applicable laws
and regulations. Except as would not be material to Bank, each contract governing a relationship with a trust, insurance or wealth management
customer of Bank has been duly and validly executed by Bank and, to the knowledge of Bank, the other contracting parties, and each such
contract constitutes a valid and binding obligation of the parties thereto, except as such enforceability may be limited by the Enforceability
Exceptions, and Bank and, to the knowledge of Bank, the other contracting parties thereto, have duly performed in all material respects
their obligations thereunder, and Bank and, to the knowledge of Bank, such other contracting parties are in material compliance with
each of the terms thereof. Since January&nbsp;1, 2022, neither Bank nor any of its directors, officers or employees has committed any
material breach of trust or fiduciary duty with respect to any of the accounts maintained on behalf of any trust, insurance or wealth
management customer of Bank. Since January&nbsp;1, 2022, Bank has not been, and is not currently, engaged in any material dispute with,
or subject to material claims by, any such trust, insurance or wealth management customer for breach of fiduciary duty or otherwise in
connection with any such account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.23&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Shell
Company Status</U>. Bank is not, and has never been, an issuer identified in Rule&nbsp;144(i)(1)&nbsp;under the Securities Act or the
corresponding provisions of the securities disclosure rules&nbsp;set forth in 12 C.F.R. Part&nbsp;16 (&ldquo;<U>Part&nbsp;16</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.24&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Disqualification Events</U>. None of Bank, Seller, Seller Parent any of their respective predecessors, any affiliated issuer, any director,
executive officer, other officer of Bank, Seller or Seller Parent participating in the transactions contemplated by this Agreement, any
beneficial owner of 20% or more of Bank&rsquo;s outstanding voting equity securities (calculated on the basis of voting power), nor any
promoter (as that term is defined in Rule&nbsp;405 under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16)
connected with Bank in any capacity at the Closing Date (each an &ldquo;<U>Issuer Covered Person</U>&rdquo; and together &ldquo;<U>Issuer
Covered Persons</U>&rdquo;) is subject to any of the &ldquo;bad actor&rdquo; disqualifications described in Rule&nbsp;506(d)(1)(i)&nbsp;through
(viii)&nbsp;under the Securities Act or the securities disclosure rules&nbsp;in Part&nbsp;16 (a &ldquo;<U>Disqualification Event</U>&rdquo;),
except for a Disqualification Event covered by Rule&nbsp;506(d)(2)&nbsp;or (d)(3)&nbsp;under the Securities Act or the securities disclosure
rules&nbsp;in Part&nbsp;16. Bank has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualification
Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.25&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Other
Investors</U>. Concurrently with the execution of this Agreement, each Other Investor has executed and delivered to Seller a counterpart
to an Other Investment Agreement, substantially in the same form and on substantially the same terms as this Agreement. Other than the
Stockholders Agreement, Bank has not entered into any other contract, agreement or arrangement with any Other Investor that provides
such Other Investor more favorable or additional rights with respect to Bank than as set forth in such Other Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.26&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Material
Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.26(a)&nbsp;of
the Bank Disclosure Letter contains, as of the date hereof, a list of each of the following types of contracts to which Bank is a party
or bound (by any contract, arrangement, commitment or understanding, whether written or oral), excluding any Bank Benefit Plan:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
exclusive dealing contract or any contract which contains a non-compete or client or customer non-solicitation requirement, in each case,
that restricts the conduct of any line of business (including exclusive arrangements) by Bank or the ability of Bank to engage in any
line of business or in any geographic region, in each case, in a manner that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract which is a collective bargaining agreement or similar agreement with any union, works council or other labor organization;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract (A)&nbsp;that provides for the incurrence of indebtedness by Bank, including any sale and leaseback transactions, capitalized
leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course
of business consistent with past practice) or (B)&nbsp;that provides for the guarantee, pledge, support, assumption, endorsement or material
indemnification by Bank of, or any similar commitment by Bank with respect to, the obligations, liabilities or indebtedness of any other
person, in the case of each of clauses&nbsp;(A)&nbsp;and (B), in the principal amount of $2,000,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for the sale by Bank of any goods or services or providing for payments to Bank in each case in excess of $2,000,000
per annum (in each case, other than any Loans, provisions of credit services or other arrangements in the ordinary course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Bank, in each case, that is material to Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
any of the top 20 vendors or suppliers of Bank (determined on the basis of the aggregate dollar amount paid by Bank in fiscal year 2024),
other than any statement of work, purchase order or similar ancillary agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that provides for any contractual indemnification to any director or officer of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract that is a settlement, consent or similar agreement and contains any material continuing obligations of Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract for the acquisition or disposition of any person, business or material amount of assets and pursuant to which any earn-out,
indemnification or deferred or contingent payment obligations of Bank remain outstanding and that would reasonably be expected to involve
payments by Bank of more than $2,000,000 after the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
joint venture, partnership, limited liability company agreement or other similar agreement or arrangement, in each case, that is material
to Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>any
contract pursuant to which Bank is granted or grants a right to material Intellectual Property, other than (A)&nbsp;non-exclusive in-licenses
to commercially available software or (B)&nbsp;non-exclusive out-licenses granted in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each contract, arrangement, commitment or understanding
of the type described in this Section&nbsp;2.26(a), whether or not set forth in the Bank Disclosure Letter, is referred to herein as
a &ldquo;<U>Material Contract</U>.&rdquo; Bank has made available to Investor true, correct and complete copies of each Material Contract
in effect as of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>(i)&nbsp;Each
Material Contract is valid and binding on Bank and in full force and effect, except as, either individually or in the aggregate, would
not be material to Bank, (ii)&nbsp;Bank has in all material respects complied with and performed all obligations required to be complied
with or performed by it to date under each Material Contract, except where such noncompliance or nonperformance, either individually
or in the aggregate, would not be material to Bank, (iii)&nbsp;to the knowledge of Bank, each third-party counterparty to each Material
Contract has in all material respects complied with and performed all obligations required to be complied with and performed by it to
date under such Material Contract, except where such noncompliance or nonperformance, either individually or in the aggregate, would
not be material to Bank, (iv)&nbsp;Bank has no knowledge of, nor has received notice of, any material violation of any Material Contract
by any of the other parties thereto and (v)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a material breach or default on the part of Bank or, to the knowledge of Bank, any other party thereto, of or
under any such Material Contract, except where such breach or default, either individually or in the aggregate, would not be material
to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.27&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Real
Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Section&nbsp;2.27(a)&nbsp;of
the Bank Disclosure Letter contains a complete and accurate list of all real property owned, leased or licensed by Bank or otherwise
occupied by it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
as would not reasonably be expected, either individually or in the aggregate, to be material to Bank, Bank (i)&nbsp;has good and marketable
title to all the real property reflected in Section&nbsp;2.27(a)&nbsp;of the Bank Disclosure Letter or the Bank Financials as being owned
by Bank or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course
of business) (the &ldquo;<U>Bank Owned Properties</U>&rdquo;), free and clear of all Liens, except Permitted Encumbrances and (ii)&nbsp;is
the lessee of all leasehold estates reflected in the Bank Financials or acquired after the date thereof (except for leases that have
expired by their terms since the date thereof) (such leasehold estates, collectively with the Bank Owned Properties, the &ldquo;<U>Bank
Real Property</U>&rdquo;), free and clear of all Liens, except for Permitted Encumbrances, and is in possession of the properties purported
to be leased thereunder, and each such lease is valid without default thereunder by Bank or, to the knowledge of Bank, the lessor. There
are no pending or, to the knowledge of Bank, threatened condemnation proceedings against the Bank Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Other
than (i)&nbsp;properties for which Bank is landlord or sublessor and (ii)&nbsp;properties Bank owns as satisfaction on a debt previously
contracted, to the knowledge of Bank there are no persons in possession of any portion of any of the real property owned or leased by
Bank, and no person other than Bank has the right to use or occupy for any purpose any portion of any of the Bank Real Property, except,
in any such case, (A)&nbsp;with respect to Bank Real Property leased by Bank (x)&nbsp;for common areas that Bank does not have the exclusive
right to use or occupy under the applicable lease or (y)&nbsp;in accordance with the express terms of such lease or (B)&nbsp;as would
not, individually or in the aggregate, reasonably be expected to be material to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.28&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Sufficiency
of Assets</U>. Immediately after the Closing, Bank will own or have the right to use, all assets, liabilities, rights and properties
(including its IT systems) sufficient to conduct the business of Bank in all material respects in the same manner and on the same terms
as currently conducted by Bank, consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.29&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Critical
Technologies</U>. To the knowledge of Bank, it does not engage in the design, fabrication, development, testing, production or manufacture
of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act of 1950, as amended (including all
implementing regulations thereof). For purposes of this representation, and after consulting with CFIUS counsel, Bank&rsquo;s reasonable
investigation has consisted solely of making inquiries to Bank&rsquo;s Chief Information Officer and Director of Information Security,
each of whom, after discussing with CFIUS counsel present, does not believe that the Bank engages in the design, fabrication, development,
testing, production or manufacture of one or more &ldquo;critical technologies&rdquo; within the meaning of the Defense Production Act
of 1950, as amended (including all implementing regulations thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.30&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Bank in this <U>Article&nbsp;II</U>, neither Bank nor any other person makes any express
or implied representation or warranty with respect to Bank, or its businesses, operations, assets, liabilities, conditions (financial
or otherwise) or prospects, and Bank hereby disclaims any such other representations or warranties, and Investor acknowledges the same.
In particular, without limiting the foregoing disclaimer, neither Bank nor any other person makes or has made any representation or warranty
to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget
or prospective information relating to Bank or its businesses or (ii)&nbsp;except for the representations and warranties made by Bank
in this <U>Article&nbsp;II</U>, any oral or written information presented to Investor or any of its affiliates or representatives in
the course of their due diligence investigation of Bank, the negotiation of this Agreement or in the course of the transactions contemplated
hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Bank
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Bank has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller has the corporate power and authority to own,
lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or
standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject to the
actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller. No other corporate proceedings
on the part of Seller are necessary to approve this Agreement or the Other Investment Agreements or to consummate the Investment or the
Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered by Seller and
(assuming due authorization, execution and delivery by each of Bank, Seller Parent and Investor) constitute legal, valid and binding
obligations of Seller, enforceable against Seller in accordance with their respective terms (except in all cases as such enforceability
may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement by Seller or any Other Investment Agreement, nor the consummation by Seller of the transactions
contemplated hereby or thereby, nor compliance by Seller with any of the terms or provisions hereof or thereof, will (i)&nbsp;violate
any provision of the Constituent Documents of Seller, or (ii)&nbsp;subject to the securities laws referred to in <U>Section&nbsp;3.3
</U>and assuming the accuracy of <U>Section&nbsp;5.4</U> and <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate
any law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller or any of its properties
or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default
(or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties
or assets of Seller under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Seller is a party, or by which it or its properties or assets may be bound,
except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse Effect with respect to Seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming no Investor is acting in concert with
an Other Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller in connection with
the execution, delivery and performance by Seller of this Agreement and the Other Investment Agreements and the consummation by Seller
of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Legal
and Regulatory Proceedings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
is not a party to any, and there are no pending or threatened in writing or, to Seller&rsquo;s knowledge, otherwise threatened, Legal
Proceedings of any nature against Seller or any of its current or former directors or executive officers (in each of their capacities
as such) (i)&nbsp;that would, individually or in the aggregate, reasonably be expected to result in a material restriction on Bank, (ii)&nbsp;that
would reasonably be expected to have a Material Adverse Effect with respect to Bank or (iii)&nbsp;challenging the validity or propriety
of the transactions contemplated by this Agreement, the Other Investment Agreement, the Stockholders Agreement or the Separation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>There
is no Order imposed upon Seller or any of its current or former directors or executive officers (in each of their capacities as such)
or the assets of Seller that would reasonably be expected to, either individually or in the aggregate, have a Material Adverse Effect
with respect to Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
of the date hereof, there are no bankruptcy, reorganization or receivership proceedings pending or, to the knowledge of Seller, threatened
against Seller. As of the date hereof, Seller is not a debtor under any proceeding in bankruptcy, insolvency, or reorganization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Title
to Bank Common Stock</U>. Seller has good and valid title to the Bank Common Stock, free and clear of all Liens (other than transfer
restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement), and shall have
as of the time immediately prior to the Closing good and valid title to the Bank Common Stock, free and clear of all Liens (other than
transfer restrictions arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement). At
the Closing, Seller will have duly transferred the Purchased Shares to Investor, free and clear of all Liens (other than transfer restrictions
arising under applicable federal or state securities laws or under the terms of the Stockholders Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller nor any of its respective officers or directors has employed any broker, finder
or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with this
Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller in this <U>Article&nbsp;III</U>, neither Seller nor any other person makes any
express or implied representation or warranty with respect to Seller, or its businesses, operations, assets, liabilities, conditions
(financial or otherwise) or prospects, and Seller hereby disclaims any such other representations or warranties, and Investor acknowledges
the same. In particular, without limiting the foregoing disclaimer, neither Seller nor any other person makes or has made any representation
or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate,
budget or prospective information relating to Seller or its businesses or (ii)&nbsp;except for the representations and warranties made
by Seller in this <U>Article&nbsp;III</U>, any oral or written information presented to Investor or any of its affiliates or representatives
in the course of their due diligence investigation of Seller, the negotiation of this Agreement or in the course of the transactions
contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller has not relied
upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF SELLER PARENT</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller Parent hereby represents
and warrants to Investor as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Organization</U>.
Seller Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Hawaii and is a savings
and loan holding company duly registered under the Home Owners&rsquo; Loan Act. Seller Parent has the corporate power and authority to
own, lease or operate all of its properties and assets and to carry on its business as it is now being conducted in all material respects.
Seller Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification
or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually
or in the aggregate, have a Material Adverse Effect with respect to Bank or a Material Adverse Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent has full corporate power and authority to execute and deliver this Agreement and the Other Investment Agreements and, subject
to the actions described below, to consummate the transactions contemplated hereby and thereby. The execution and delivery of this Agreement
and the Other Investment Agreements has been duly and validly approved by the Board of Directors of Seller Parent. No other corporate
proceedings on the part of Seller Parent are necessary to approve this Agreement or the Other Investment Agreements or to consummate
the Investment or the Other Investments. This Agreement and the Other Investment Agreements have been duly and validly executed and delivered
by Seller Parent and (assuming due authorization, execution and delivery by each of Seller, Bank and Investor) constitute legal, valid
and binding obligations of Seller Parent, enforceable against Seller Parent in accordance with their respective terms (except in all
cases as such enforceability may be limited by the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement or any Other Investment Agreement by Seller Parent, nor the consummation by Seller Parent
of the transactions contemplated hereby or thereby, nor compliance by Seller Parent with any of the terms or provisions hereof or thereof,
will (i)&nbsp;violate any provision of the Constituent Documents of Seller Parent, or (ii)&nbsp;subject to the securities laws referred
to in <U>Section&nbsp;4.4</U> and assuming the accuracy of <U>Section&nbsp;5.5</U> with respect to each Investor, (x)&nbsp;violate any
law, statute, code, ordinance, rule, regulation, judgment, Order, writ, decree or injunction applicable to Seller Parent or any of its
properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any
of the properties or assets of Seller Parent under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
deed of trust, license, lease, agreement or other instrument or obligation to which Seller Parent is a party, or by which it or its properties
or assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that, either individually or in the aggregate, would not have a Material Adverse
Effect with respect to Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Common Stock</U>. Neither Seller Parent nor any of its Subsidiaries (including Seller and Bank) have outstanding any bonds, debentures,
notes or other obligations, the holders of which have the right to vote (or convert into or exercise for securities having the right
to vote) with holders of Bank Common Stock on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states and assuming the accuracy of <U>Section&nbsp;5.5</U>&nbsp;with
respect to each Investor, no consent, approval (including expiration of any statutory waiting period), no-objection, order or authorization
of, or material registration, declaration or filing with, any Governmental Entity is required on the part of Seller Parent in connection
with the execution, delivery and performance by Seller Parent of this Agreement and the Other Investment Agreements and the consummation
by Seller Parent of the Investment and the Other Investments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Piper Sandler&nbsp;&amp; Co. and Guggenheim Partners, LLC (the fees of which will be
paid solely by Seller or Seller Parent), neither Seller Parent nor any of its respective officers or directors has employed any broker,
finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with
this Agreement or any Other Investment Agreement or the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, neither Seller Parent nor any other person
makes any express or implied representation or warranty with respect to Seller Parent, or its businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Seller Parent hereby disclaims any such other representations or warranties, and
Investor acknowledges the same. In particular, without limiting the foregoing disclaimer, neither Seller Parent nor any other person
makes or has made any representation or warranty to Investor or any of its affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Seller Parent or its businesses or (ii)&nbsp;except
for the representations and warranties made by Seller Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented
to Investor or any of its affiliates or representatives in the course of their due diligence investigation of Seller Parent, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Seller
Parent acknowledges and agrees that neither Investor nor any other person on behalf of Investor has made or is making, and Seller Parent
has not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;V</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>REPRESENTATIONS
AND WARRANTIES OF INVESTOR</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investor hereby represents
and warrants to each of Seller Parent, Seller and Bank as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Authority;
No Violation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
has full power and authority to execute and deliver this Agreement and the Stockholders Agreement and to consummate the transactions
contemplated hereby and thereby. This Agreement and the Stockholders Agreement have been duly and validly executed and delivered by Investor
and (assuming due authorization, execution and delivery by Seller Parties) constitute legal, valid and binding obligations of Investor,
enforceable against Investor in accordance with their respective terms (except in all cases as such enforceability may be limited by
the Enforceability Exceptions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
the execution and delivery of this Agreement and the Stockholders Agreement by Investor, nor the consummation by Investor of the transactions
contemplated hereby or thereby, nor compliance by Investor with any of the terms or provisions hereof or thereof, will, assuming that
the consents and approvals referred to in <U>Section&nbsp;5.2</U> are duly obtained, (x)&nbsp;violate any law, statute, code, ordinance,
rule, regulation, judgment, order, writ, decree or injunction applicable to Investor or any of Investor&rsquo;s properties or assets
or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
properties or assets of Investor under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust,
license, lease, agreement or other instrument or obligation to which Investor is a party, or by which Investor&rsquo;s properties or
assets may be bound, except (in the case of clauses (x)&nbsp;and (y)&nbsp;above) for such violations, conflicts, breaches, defaults,
terminations, cancellations, accelerations or creations that either individually or in the aggregate would not have a Material Adverse
Effect with respect to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Consents
and Approvals</U>. Except for the securities or blue sky laws of the various states, no consent, approval, order or authorization of,
or material registration, declaration or filing with, any Governmental Entity is required on the part of Investor in connection with
the execution, delivery and performance by Investor of this Agreement, the Stockholders Agreement and the consummation by Investor of
the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Broker&rsquo;s
Fees</U>. Investor has not employed any broker, finder or financial advisor or incurred any liability for any broker&rsquo;s fees, commissions
or finder&rsquo;s fees in connection with the Investment or related transactions contemplated by this Agreement, except for any fees
which will be paid solely by Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Investment
Intent and Risk; Financial Capability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
(i)&nbsp;is not being provided with disclosures that would be required if the offer and sale of the Purchased Shares was registered under
the Securities Act or the securities offering disclosure rules&nbsp;issued by the OCC under Part&nbsp;16, nor is Investor being provided
with any offering circular or prospectus prepared in connection with the offer and sale of the Purchased Shares; (ii)&nbsp;has had the
opportunity to ask questions of and receive answers from Seller Parent, Seller and Bank directly and (iii)&nbsp;has been provided a reasonable
opportunity to undertake and has undertaken its own examination of Bank and the terms of the Purchased Shares to the extent Investor
deems necessary to make its decision to invest in the Purchased Shares. Investor has sought such accounting, legal and tax advice as
it has considered necessary or advisable to make an informed investment decision with respect to its acquisition of the Purchased Shares.
Investor is only relying on the representations and warranties contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III</U> and <U>Article&nbsp;IV
</U>in making its investment decision, and not any other statements made by Seller Parent, Seller, Bank or any of their Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges that an investment in the Purchased Shares is a speculative investment which involves a substantial degree of risk of loss
by it of its entire investment in Bank, and it is financially able to bear the economic risk of such investment, including the total
loss thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is sophisticated and has such knowledge in financial and business matters and in investments of this type that it is capable of independently
evaluating the merits and risks of its investment in the Purchased Shares and of making an informed investment decision. Investor is
(i)&nbsp;an &ldquo;accredited investor&rdquo; (as that term is defined in the Securities Act and used for purposes of Part&nbsp;16) or
(ii)&nbsp;a qualified purchaser (as that term is defined in Section&nbsp;2(a)(51)(A)&nbsp;of the Investment Company Act and used for
purposes of Part&nbsp;16).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
understands that the Purchased Shares have not been registered under the Securities Act or Part&nbsp;16, and may not be transferred or
resold except pursuant to an effective registration statement or pursuant to an exemption from registration, and each certificate, if
any, representing the Purchased Shares will be endorsed with the legends required to be placed thereon by applicable U.S. federal or
state, or other applicable state and foreign securities laws or banking laws and with respect to restrictions on transfer imposed by
this Agreement. Investor (i)&nbsp;is acquiring the Purchased Shares for investment purposes for its own account only and not with a view
to or for sale in connection with any distribution of all or any part of the Purchased Shares, (ii)&nbsp;has no present agreement, undertaking,
arrangement, obligation or commitment providing for the disposition of the Purchased Shares, (iii)&nbsp;will not sell or otherwise dispose
of any of the Purchased Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act,
Part&nbsp;16 and any applicable state securities or other securities or banking laws of the United States or any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
solely in Investor&rsquo;s capacity as an officer or director of Bank,&nbsp;Investor has not communicated with any Other Investor in
the evaluation of the transactions contemplated by this Agreement, an Other Investment or in any other investment in Seller Parent, Seller
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
Investor is a person enumerated in Rule&nbsp;506(d)(1)&nbsp;of the Securities Act, and used for purposes of Part&nbsp;16, neither Investor
nor, to Investor&rsquo;s knowledge, its affiliates is subject to any &ldquo;bad actor&rdquo; disqualifying event described in Rule&nbsp;506(d)(1)(i)-(viii)&nbsp;of
the Securities Act and used for purposes of Part&nbsp;16.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>On
February&nbsp;28, 2025,&nbsp;Investor shall have immediately available funds necessary to consummate the Investment on the terms and
conditions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Bank
Regulatory Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Assuming
the accuracy of the representations and warranties in <U>Section&nbsp;2.2</U>, consummation of the transactions contemplated hereby will
not cause Investor (together with any of its affiliates) to, directly or indirectly, own, control or have the power to vote ten percent
(10.0%) or more of any class of voting securities of Bank for purposes of the Home Owners&rsquo; Loan Act or the Change in Bank Control
Act of 1978 or their respective implementing regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
is not &ldquo;acting in concert&rdquo; (as that term is defined in 12 C.F.R. &sect; 5.50) with any other person in connection with the
transactions contemplated by this Agreement or the Other Investment Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Neither
Investor nor any of its affiliates for purposes of the BHC Act or Home Owners&rsquo; Loan Act is a bank holding company or savings and
loan holding company, is treated as a bank holding company or savings and loan holding company, or &ldquo;controls&rdquo; a bank or savings
association (as those terms are defined under the BHC Act and Home Owners&rsquo; Loan Act or their implementing regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Consequences</U>. Investor acknowledges that the Tax consequences to it of the Investment will depend on its particular circumstances,
and that it will look solely to, and rely upon, its own advisors with respect to the Tax consequences of the Investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Restrictions
on Transferability</U>. Investor acknowledges that there will be restrictions on the transferability of the Purchased Shares as set forth
in the Stockholders Agreement, that there are restrictions on transferability as set forth in the securities disclosure rules&nbsp;in
Part&nbsp;16, that there is currently no public market for the Purchased Shares and none may develop, and that, accordingly, it may not
be possible for it to liquidate its investment in Bank except as set forth in the Stockholders Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Other Representations or Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, neither Investor nor any other person makes any
express or implied representation or warranty with respect to Investor or Investor&rsquo;s businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Investor hereby disclaims any such other representations or warranties, and Seller
and Bank acknowledge the same. In particular, without limiting the foregoing disclaimer, neither Investor nor any other person makes
or has made any representation or warranty to Seller, Bank or any of their respective affiliates or representatives with respect to (i)&nbsp;any
financial projection, forecast, estimate, budget or prospective information relating to Investor or Investor&rsquo;s respective businesses
or (ii)&nbsp;except for the representations and warranties made by Investor in this <U>Article&nbsp;V</U>, any oral or written information
presented to Seller, Bank or any of their respective affiliates or representatives in the course of their due diligence investigation
of Investor, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Investor
acknowledges and agrees that neither Seller Parent, nor Seller, nor Bank nor any other person has made or is making, and Investor has
not relied on, any express or implied representation or warranty other than those contained in <U>Article&nbsp;II</U>, <U>Article&nbsp;III
</U>and <U>Article&nbsp;IV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>COVENANTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Public
Announcements</U>. Seller, Seller Parent, Bank and Investor agree that the initial press release with respect to the execution and delivery
of this Agreement and consummation of the Closing shall be a release mutually agreed to by the parties and that, to the extent practicable,
subsequent releases shall be mutually agreed. Thereafter, each of the parties agrees that no public release or announcement or statement
concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the
other parties (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by applicable law
or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which
case the party required to make the release or announcement shall consult with the other parties about, and allow the other parties reasonable
time to comment on, such release or announcement in advance of such issuance, (ii)&nbsp;for such releases, announcements or statements
that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this
<U>Section&nbsp;6.1</U> or (iii)&nbsp;in connection with any dispute between the parties regarding this Agreement or the transactions
contemplated hereby. Bank shall not use any Investor&rsquo;s brand names, trademarks, service marks, trade dress or logos in any press
release or marketing materials except as approved in advance by such Investor in writing.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Treatment
of Equity Awards at Closing</U>. To the extent any current or former employee, director or other individual service provider of Bank
(each, a &ldquo;<U>Bank Service Provider</U>&rdquo;) holds, as of immediately prior to the Closing, any cash, equity or equity-based
awards under the Seller Parent 2010 Equity and Incentive Plan (as amended and restated, the &ldquo;<U>2010 Equity Plan</U>&rdquo;), each
such employee, director or other individual service provider shall, no later than fifteen (15) days following the Closing Date, waive
any retirement-based vesting protections with respect to any outstanding awards under the 2010 Equity Plan in writing in the form attached
as Schedule 4.02(a)&nbsp;to the Separation Agreement (each, a &ldquo;<U>Waiver</U>&rdquo;); <U>provided</U>, <U>however</U>, that, if
the Waivers from all Bank Service Providers are not provided by Bank to Seller Parent on or prior to fifteen (15) days following the
Closing Date, all such outstanding awards will be treated as of the Closing in accordance with the terms of the 2010 Equity Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Transfer
Taxes</U>. All applicable Transfer Taxes shall be borne fifty percent (50%) by Investor, on the one hand, and fifty percent (50%) by
Seller, on the other hand. The party primarily responsible under applicable law for filing the Tax Returns for such Transfer Taxes (the
 &ldquo;<U>Filing Party</U>&rdquo;) shall timely prepare such Tax Returns and provide a copy of such Tax Returns to the other party (the
 &ldquo;<U>Non-Filing Party</U>&rdquo;) at least ten (10)&nbsp;business days prior to the due date thereof. The Non-Filing Party shall
pay an amount equal to its share of such Transfer Taxes to the Filing Party at least three (3)&nbsp;business days prior to the due date
of such Tax Returns, and the Filing Party shall timely file such Tax Returns and pay such Transfer Taxes. Investor and Seller shall cooperate
in the timely completion and filing of all such Tax Returns and in filing any forms and documents as may be necessary to obtain any exemption
or refund of any Transfer Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Post-Closing
Actions</U>. Except as required by applicable law, neither Investor nor any of its affiliates shall (or shall cause or permit Bank to),
without the prior written consent of Seller Parent, (i)&nbsp;make or change any Tax election with respect to Bank (including any election
under Section&nbsp;338 or Section&nbsp;336 of the Code, or any similar election under state, local, or foreign Tax law) or change any
method of Tax accounting or any Tax accounting period of Bank, which election or change would be effective on or prior to the Closing
Date, (ii)&nbsp;amend, re-file or otherwise modify any Tax Return (or extend or waive any statute of limitations or other period for
the assessment of any Tax or deficiency) relating in whole or in part to Bank for any Pre-Closing Tax Period, (iii)&nbsp;file a Tax Return
for a Pre-Closing Tax Period in a jurisdiction where Bank did not file such Tax Return for such period, (iv)&nbsp;change a transfer pricing
policy of Bank which is in place at the Closing Date with retroactive effect to a Pre-Closing Tax Period, (v)&nbsp;initiate any voluntary
disclosure or similar proceedings with respect to Bank for any Pre-Closing Tax Period or portion thereof, or (vi)&nbsp;amend or revoke
any Apollo Prepared Returns (as defined in the Separation Agreement) or any notification or election relating thereto (other than as
contemplated in or pursuant to Section&nbsp;5.01 of the Separation Agreement), in each case, to the extent such action would be reasonably
expected to result in (X)&nbsp;any increased Tax liability of Seller Parent, Bank or its affiliates in respect of any Pre-Closing Tax
Period (provided that, in the case of Tax liabilities of Bank or its affiliates, solely to the extent that such increase would correspondingly
increase Seller Parent&rsquo;s indemnification obligation for Seller Taxes hereunder or payment obligations under Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, for the avoidance of doubt, taking into account any applicable limitations on the indemnification under <U>Section&nbsp;7.1(g)</U>&nbsp;hereof)
or (Y)&nbsp;a reduction in any Tax attributes of the Seller Consolidated Group or Bank in respect of any Pre-Closing Tax Period to the
extent Seller Parent is entitled to the economic benefit of such Tax attributes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representation
and Warranty Insurance Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Prior
to the Closing, Seller shall have delivered to each of Investor and Bank a copy of the representations and warranties insurance policy
to be purchased by Seller Parent in favor of Seller Parent as insured, effective as of the Closing (&ldquo;<U>R&amp;W Insurance Policy</U>&rdquo;),
together with evidence of the payment of the premium for such R&amp;W Insurance Policy. The cost of the premium together with all Taxes
and application, underwriting or similar or other fees, costs or expenses payable at the Closing in connection with obtaining the R&amp;W
Insurance Policy as of the Closing, including those to bind the policy, shall be paid by Seller or Seller Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
R&amp;W Insurance Policy shall include (i)&nbsp;an express waiver of subrogation and contribution rights against Bank, its Representatives
and their respective successors and assigns, except and only to the extent of Actual Fraud, and (ii)&nbsp;express third-party beneficiary
rights in favor of Bank,&nbsp;Investor and their Representatives and their respective successors and assigns, including with respect
to the anti-subrogation waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>During
the term of the R&amp;W Insurance Policy, Seller Parent shall not (i)&nbsp;amend, modify, terminate or waive any waiver of subrogation,
third-party beneficiary language or any other provision set forth in the R&amp;W Insurance Policy that could reasonably be adverse to
the Investors, Bank, or their respective Representatives or (ii)&nbsp;permit the assignment, substitution or transfer of the rights or
obligations of the insurer under the R&amp;W Insurance Policy other than as allowed by the terms of the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>GENERAL
PROVISIONS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing, Seller Parent shall indemnify, defend and hold harmless Investor, its Representatives, its affiliates and their respective
successors and permitted assigns, to the fullest extent permitted by law, from and against any and all costs, losses, liabilities, damages,
payments, fees, expenses (including reasonable attorneys&rsquo; fees and disbursements) and amounts paid in settlement (collectively,
 &ldquo;<U>Losses</U>&rdquo;) if such Loss results from or arises out of (i)&nbsp;any Seller Fundamental Warranties or Seller Parent Fundamental
Warranties (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any qualification
on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words of similar import),
(ii)&nbsp;any breach of or failure to perform any covenant or agreement of Seller Parent or Seller contained in <U>Section&nbsp;6.1</U>
or (iii)&nbsp;any Seller Taxes; <U>provided</U>, <U>however</U>, that &ldquo;Losses&rdquo; do not include except to the extent awarded
in a Third Party Claim, punitive or exemplary damages. Notwithstanding the foregoing, Seller Parent shall have no obligation under this
<U>Section&nbsp;7.1(a)</U>&nbsp;following the expiration of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Following
the Closing,&nbsp;Investor shall indemnify, defend and hold harmless Seller, its Representatives, its affiliates and their respective
successors and permitted assigns to the fullest extent permitted by law, from and against any and all Losses actually incurred by Seller
or its affiliates, if such Loss results from or arises out of (i)&nbsp;any inaccuracy in or breach of any representation or warranty
in <U>Article&nbsp;V</U> (disregarding for purposes of determining the amount of any Loss and whether there has been any breach, any
qualification on any such representation or warranty as to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo; or words
of similar import) and (ii)&nbsp;any breach of or failure to perform any covenant or agreement of Investor contained in <U>Section&nbsp;6.1</U>.
Notwithstanding the foregoing,&nbsp;Investor shall have no obligation under this <U>Section&nbsp;7.1(b)</U>&nbsp;following the expiration
of the applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>A
party that seeks indemnification hereunder (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) shall give written notice to the party indemnifying
it (the &ldquo;<U>Indemnifying Party</U>&rdquo;) of any claim that does not result from a third party with respect to which it seeks
indemnification (a &ldquo;<U>Direct Claim</U>&rdquo;) promptly (and, in any event, not later than sixty (60) days) after the first discovery
by such Indemnified Party of any fact, event, circumstance, development or matters giving rise to such claim. Such notice (a &ldquo;<U>Claim
Notice</U>&rdquo;) shall (i)&nbsp;describe such Direct Claim in reasonable detail (including the facts underlying each particular claim
and an identification of all the particular sections of therein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Direct Claim is based (to the extent that
such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have thirty (30) days after its receipt
of such notice to respond in writing to the Direct Claim (a &ldquo;<U>Response Notice</U>&rdquo;). If the Indemnifying Party does not
deliver a Response Notice within such thirty (30)-day period, the Indemnifying Party shall be deemed to have agreed to such claim and
the Indemnifying Party&rsquo;s obligation to indemnify, compensate or reimburse the Indemnified Party for the full amount of all Losses
resulting therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
any action, suit, claim or proceeding is threatened or commenced against an Indemnified Party by any person who is not a party to this
Agreement or an affiliate of any party to this Agreement, with respect to which the Indemnifying Party is or may be obligated to provide
indemnification under <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;(as applicable) (a &ldquo;<U>Third Party Claim</U>&rdquo;),
the Indemnified Party shall, as promptly as reasonably practicable, cause a Claim Notice regarding any Third Party Claim of which it
has knowledge that is covered by this <U>Section&nbsp;7.1</U> to be delivered to the Indemnifying Party. The Claim Notice shall (i)&nbsp;describe
such Third Party Claim in reasonable detail (including the identity of the applicable third party, the facts underlying each particular
claim and an identification of all the particular sections herein pursuant to which indemnification is and will be being sought) to the
extent then known; (ii)&nbsp;attach copies of any written evidence or demand upon which such Third Party Claim is based (to the extent
that such written evidence or demand is not reasonably available at such time, the Indemnified Party shall so indicate and promptly provide
such evidence when it becomes available); and (iii)&nbsp;set forth the estimated amount (broken down by each individual claim) for which
the Indemnifying Party may be liable, to the extent then known. The Indemnifying Party shall have the right but not the obligation to
assume control of the defense of any Third Party Claim by, no later than the thirtieth (30<SUP>th</SUP>) day after its receipt of such
Claim Notice, notifying the Indemnified Party that, subject to the other provisions of this <U>Section&nbsp;7.1</U>, the Indemnifying
Party has elected to conduct and control the defense, negotiation or settlement of the applicable Third Party Claim and any action, suit,
claim or proceeding resulting therefrom with counsel reasonably acceptable to the Indemnified Party and at the Indemnifying Party&rsquo;s
sole cost and expense. If the Indemnifying Party elects to assume the defense of a Third Party Claim, the Indemnified Party will have
the right, but not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense;
<U>provided</U>, that if the Indemnified Party is advised by outside counsel that an actual or potential conflict of interest (other
than one of a monetary nature) would make it inappropriate for the same counsel to represent both the Indemnifying Party and the Indemnified
Party with respect to the Third Party Claim, then the Indemnifying Party shall pay the reasonable, out-of-pocket and documented fees,
costs and expenses of counsel employed by the Indemnified Party; <U>provided</U>, <U>further</U>, that the Indemnifying Party shall only
be liable for the legal fees and expenses for one law firm for all Indemnified Parties (taken together with respect to any single action
or group of related actions) in connection with any Third Party Claim (plus one local counsel in each applicable jurisdiction). If the
Indemnifying Party does not assume the defense of the Third Party Claim within the thirty (30)-day period referenced in this <U>Section&nbsp;7.1(d)</U>,
(x)&nbsp;the Indemnified Party may defend against the Third Party Claim and (y)&nbsp;the Indemnifying Party will have the right, but
not the obligation, to participate in any such defense and to employ separate counsel of its choosing at its own expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Notwithstanding
anything in this <U>Section&nbsp;7.1</U> to the contrary, (i)&nbsp;the Indemnified Party shall not, without the prior written consent
of the Indemnifying Party (not to be unreasonably withheld, conditioned or delayed), (x)&nbsp;consent to the entry of any Order, (y)&nbsp;settle
or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless such Order or
proposed settlement or compromise or agreement (A)&nbsp;involves an unconditional release of the Indemnifying Party in respect of such
Third Party Claim and (B)&nbsp;does not contain any admission or finding of wrongdoing on behalf of the Indemnifying Party and (ii)&nbsp;the
Indemnifying Party shall not, without the prior written consent of the Indemnified Party, (x)&nbsp;consent to the entry of any Order,
(y)&nbsp;settle or compromise or (z)&nbsp;enter into any settlement or similar agreement with respect to, any Third Party Claim, unless
the Order or proposed settlement or compromise or agreement (A)&nbsp;involves only the payment of money damages against which the Indemnified
Party is indemnified in full by the Indemnifying Party, (B)&nbsp;does not impose an injunction or other equitable relief upon the Indemnified
Party, (C)&nbsp;involves an unconditional release of the Indemnified Party in respect of such Third Party Claim and (D)&nbsp;does not
involve a finding or admission of any violation of law or other wrongdoing by the Indemnified Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
failure by an Indemnified Party to timely or properly provide, pursuant to <U>Section&nbsp;7.1(c)</U>&nbsp;or <U>Section&nbsp;7.1(d)</U>,
any Claim Notice to the Indemnifying Party shall not relieve the Indemnifying Party of its obligations hereunder, except to the extent,
and only to the extent that, the Indemnifying Party is actually and directly prejudiced by such failure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Except
in the case of Actual Fraud, Seller Parent shall not be required to indemnify Investor with respect to any individual claim (or group
of related claims) for indemnification pursuant to <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;if the amount of Losses with respect to such
individual claim (or group of related claims) is less than $15,000. Except in the case of Actual Fraud or any inaccuracy or breach of
any Fundamental Warranty, the cumulative indemnification obligation of (A)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)(i)</U>&nbsp;shall
in no event exceed 10% of the Purchase Price and (B)&nbsp;Investor under <U>Section&nbsp;7.1(b)(i)</U>&nbsp;shall in no event exceed
10% of the Purchase Price. The cumulative indemnification obligation of Seller Parent under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall
in no event exceed $110,000; <U>provided</U>, such amount shall be reduced by the Investor&rsquo;s <I>pro rata </I>share of any payments
made by Seller Parent to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement. The cumulative
indemnification obligation of (x)&nbsp;Seller Parent under <U>Section&nbsp;7.1(a)</U>&nbsp;shall in no event exceed the Purchase Price
and (y)&nbsp;Investor under <U>Section&nbsp;7.1(b)</U>&nbsp;shall in no event exceed the Purchase Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Subject
to any retention limits under the R&amp;W Insurance Policy, any Loss to be paid to Investor as a result of a claim for indemnification
made under <U>Section&nbsp;7.1(a)</U>&nbsp;shall be satisfied first by Seller Parent to the extent of any actual recovery by Seller Parent
from the R&amp;W Insurance Policy, to the extent of any policy limit therein, and, only after the policy limit therein is exceeded, thereafter
from Seller Parent subject to the limitations set forth in <U>Section&nbsp;7.1(g)</U>. Investor acknowledges that the R&amp;W Insurance
Policy includes a $2,250,000 retention, and that Seller Parent will have no actual recovery under the R&amp;W Insurance Policy until
the aggregate cumulative insured Losses thereunder exceed such retention. Seller Parent shall use commercially reasonable efforts to
promptly submit indemnification claims by Investor pursuant to this <U>Section&nbsp;7.1</U> to the insurer under the R&amp;W Insurance
Policy and will promptly transmit any insurance proceeds received therefrom to Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or pursuant to <U>Section&nbsp;7.1(b)</U>, in each case, can be
brought on or prior to the expiration of applicable survival period set forth in <U>Section&nbsp;7.1(n)</U>. If a compliant notice of
a valid claim for indemnification pursuant to <U>Section&nbsp;7.1(a)</U>&nbsp;or <U>Section&nbsp;7.1(b)</U>&nbsp;is duly provided prior
to the end of the applicable foregoing survival period with respect thereto, then the obligation to indemnify, defend and hold harmless
in respect of such inaccuracy shall survive as to such claim until such claim has been finally resolved. Notwithstanding anything to
the contrary herein, other than in the case of Actual Fraud, (i)&nbsp;the indemnification procedures of this <U>Section&nbsp;7.1</U>
shall be Investor&rsquo;s sole and exclusive remedy for any actual or alleged breach of any representation or warranty in this Agreement
and (ii)&nbsp;in no event shall Bank or any of its individual, joint or mutual, past, present or future Representatives, affiliates,
successors or assigns (other than Seller Parent) have any liability for any actual or alleged breach of any representation or warranty
in this Agreement. Upon the expiration of the period set forth above, no party to this Agreement will have any further obligations or
liability under this Agreement, and no claims may be made hereunder after such date for any actual or alleged breach, except in the case
of Actual Fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Where
one and the same set of facts, circumstances or events qualifies under more than one provision entitling an Indemnified Party to a claim
or remedy hereunder, such Indemnified Party shall not be entitled to duplicative recovery of Losses arising out of such facts, circumstances
or events. To the extent Seller Parent has made payment to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of
the Separation Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of such Seller
Taxes pursuant to this Agreement. To the extent Seller Parent has made payment to Bank pursuant to Section&nbsp;5.04 of the Separation
Agreement, no Indemnified Party shall be entitled to duplicative recovery for any Losses arising in respect of the applicable Tax item.
To the extent Bank recovers (or has the right to recover) any Loss against or from any third party (including any insurance company in
its capacity as an insurer) as provided in <U>Section&nbsp;7.1(l)</U>, no Indemnified Party shall be entitled to duplicative recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
Indemnified Party shall use commercially reasonable efforts to mitigate any Loss upon and after obtaining knowledge of any event, set
of facts, circumstance or occurrence that would reasonably be expected to give rise to any Loss that would reasonably be expected to
give rise to an indemnity obligation pursuant to this <U>Section&nbsp;7.1</U>. In the event that an Indemnified Party shall fail to use
commercially reasonable efforts to mitigate any such Loss, then notwithstanding anything contained herein to the contrary, the Indemnifying
Party shall not be required to indemnify any Indemnified Party for that portion of any Losses that would reasonably be expected to have
been avoided if all Indemnified Parties had made such efforts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>If
an Indemnified Party or Bank has or may have a right to recover any Loss against or from any third party (including any insurance company
in its capacity as an insurer), such Indemnified Party or Bank shall use commercially reasonable efforts to seek recovery against and
from such third party and if the Indemnified Party or Bank recovers any such amount from such third party after the Indemnifying Party
makes any payment pursuant to this <U>Section&nbsp;7.1</U> in respect of such Loss, then the Indemnified Party shall promptly remit to
the Indemnifying Party the lesser of the amount previously paid by the Indemnifying Party to the Indemnified Party in respect of such
Loss and the amount the Indemnified Party or Bank (on a <I>pro rata</I> basis) received from such third party in respect of such Loss
(net of all reasonable costs of collection). For the avoidance of doubt, Bank&rsquo;s obligations under this <U>Section&nbsp;7.1(l)</U>&nbsp;shall
only apply with respect to Losses that result from or arise out of the matters contemplated by <U>Section&nbsp;7.1(a)</U>&nbsp;and that
Bank has been notified, or is otherwise actually aware, of.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Any
indemnification payments pursuant to this <U>Section&nbsp;7.1</U>, payments made pursuant to Section&nbsp;5.04 of the Separation Agreement
and payments Seller Parent has made to Bank in respect of any Seller Taxes pursuant to Section&nbsp;5.01(b)&nbsp;of the Separation Agreement
shall be treated as an adjustment to the Purchase Price of the Purchased Shares for U.S. federal income and applicable state and local
Tax purposes, except to the extent otherwise required by a &ldquo;determination&rdquo; within the meaning of Section&nbsp;1313(a)&nbsp;of
the Code (or any similar provision of state or local law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Fundamental Warranties, the representations and warranties in <U>Section&nbsp;2.10</U> and any indemnification obligation of Seller Parent
under <U>Section&nbsp;7.1(a)(iii)</U>&nbsp;shall survive the Closing until thirty (30) days following the expiration of the applicable
statute of limitations. All other representations and warranties set forth herein shall terminate on the third (3<SUP>rd</SUP>) anniversary
of the Closing Date, and thereafter, except in the case of Actual Fraud, there shall be no liability on the part of, nor shall any claim
be made by, any party or any of their respective affiliates in respect of thereof. Except as otherwise provided herein, all covenants
and agreements contained herein, other than <U>Section&nbsp;6.2</U>, <U>Section&nbsp;6.4</U>, and this <U>Article&nbsp;VII</U> (which
shall survive in accordance with their terms), shall survive the Closing for a period of twelve (12) months following the Closing Date
(or until final resolution of any claim or action arising from the breach of such covenant if notice of such breach was provided prior
to the end of such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>For
the avoidance of doubt, Section&nbsp;5.06 of the Separation Agreement shall govern any Third Party Claim or other proceeding with respect
to Taxes, and <U>Section&nbsp;7.1(d)</U>&nbsp;and <U>Section&nbsp;7.1(e)</U>&nbsp;of this Agreement shall not apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Amendment;
Waiver</U>. Any provision of this Agreement may be amended or waived if, any only if, such amendment or waiver is in writing and signed,
in the case of an amendment, by Seller Parent, Seller, Bank and Investor, or in the case of a waiver, by the party granting the waiver.
No failure or delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any
single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Further
Assurances</U>. Following the Closing, the parties shall use reasonable best efforts to take or cause to be taken all actions, execute
and deliver such additional instruments, documents, conveyances or assurances and to do or cause to be done all other things, necessary,
proper or advisable, or otherwise reasonably requested in writing by another party, in order for such party to fulfill and perform its
obligations in respect of this Agreement or otherwise to consummate and make effective the transactions contemplated hereby and carry
out the intent and purposes of this Agreement. Subject to appropriate confidentiality protections and applicable law, each party agrees
to cooperate with and furnish to the other parties such necessary information and reasonable assistance as such other party may reasonably
request in connection with the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Expenses</U>.
All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby (&ldquo;<U>Transaction Expenses</U>&rdquo;)
shall be paid by the party incurring such expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally, by e-mail transmission,
mailed by registered or certified mail (return receipt requested) or delivered by an express courier (with confirmation) to the parties
at the following addresses (or at such other address for a party as shall be specified by like notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Seller Parent or Seller, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hawaiian
Electric Industries,&nbsp;Inc</FONT><BR>
1001 Bishop Street, Suite&nbsp;2900<BR>
Honolulu, Hawaii 96813</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:</FONT></TD><TD STYLE="text-align: justify">Kurt
K. Murao, Executive Vice President,</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">General
Counsel, Chief Administrative Officer and</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">Corporate
Secretary</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">kmurao@hei.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sullivan&nbsp;&amp; Cromwell LLP<BR>
125 Broad Street<BR>
New York, NY 10004</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in"><FONT STYLE="font-size: 10pt">Attention:&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">H. Rodgin Cohen</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Stephen M. Salley</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">cohenhr@sullcrom.com</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">salleys@sullcrom.com</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Investor, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Yoko Otani</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 N. Beretania St.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, HI 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1in">Attention:&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Yoko Otani</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Email:&#8239;&#8239;&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[***]</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>if
to Bank, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">American Savings Bank, F.S.B.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">300 North Beretania Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Honolulu, Hawaii 96817</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 1in; text-align: left">Attention:&#8239;</TD><TD STYLE="text-align: justify">Mike
Vieira, General Counsel</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">Email:</TD><TD STYLE="text-align: justify">mvieira@asbhawaii.com</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"><I>With a copy (which shall not constitute notice) to:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Davis Polk&nbsp;&amp; Wardwell LLP<BR>
450 Lexington Avenue<BR>
New York, NY 10017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; width: 1.5in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1in">Attention:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Margaret E. Tahyar</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">David L. Portilla</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">margaret.tahyar@davispolk.com</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">david.portilla@davispolk.com</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Annexes, or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Annex
or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive. References to &ldquo;the date hereof&rdquo; shall mean the date
of this Agreement. As used in this Agreement, the &ldquo;knowledge&rdquo; of Seller or Bank means the actual knowledge, after reasonable
investigation, of any of the executive officers of Seller or Bank listed on Section&nbsp;7.6 of the Bank Disclosure Letter, as the case
may be. As used in this Agreement, (i)&nbsp;the term &ldquo;person&rdquo; means any individual, corporation (including not-for-profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity
or other entity of any kind or nature, (ii)&nbsp;an &ldquo;affiliate&rdquo; means, with respect to any specified person, any other person
who directly or indirectly, controls, is controlled by, or is under common control with, such person, (and where the term &ldquo;control&rdquo;
(including the terms controlling, controlled by and under common control with) means the possession, direct or indirect, of the power
to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract
or otherwise), and (iii)&nbsp;the term &ldquo;made available&rdquo; means any document or other information that was (a)&nbsp;provided
by one party or its representatives to the other party and its representatives prior to the date hereof, (b)&nbsp;included in the virtual
data room of a party at least three (3)&nbsp;business days prior to the date hereof; or (c)&nbsp;filed or furnished by a party with the
SEC after December&nbsp;31, 2022 (including such information that is incorporated by reference) and publicly available on EDGAR at least
three (3)&nbsp;business days prior to the date hereof; (iv)&nbsp;&ldquo;business day&rdquo; means any day other than a Saturday, a Sunday
or a day on which banks in Honolulu, Hawaii are authorized by law or executive order to be closed, (v)&nbsp;the &ldquo;transaction contemplated
hereby&rdquo; and &ldquo;transactions contemplated by this Agreement&rdquo; shall include the Investment, (vi)&nbsp;all references to
 &ldquo;dollars&rdquo; or &ldquo;$&rdquo; are to United States dollars and (vii)&nbsp;references to any law or regulation is a reference
to such law or regulation as it has or may be amended. The Bank Disclosure Letter, as well as all other schedules and all exhibits hereto,
shall be deemed part of this Agreement and included in any reference to this Agreement. Nothing contained in this Agreement shall require
any party or person to take any action in violation of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts (including by pdf or other electronic means), all of which shall be considered one and
the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties,
it being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Entire
Agreement</U>. This Agreement (including the documents and instruments referred to herein) together with the Confidentiality Agreement
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>This
Agreement shall be governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to
be performed entirely within the State of Delaware, without regard to any applicable conflicts of law principles that would cause the
application of any law other than the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the Court of Chancery of the State of Delaware and any state appellate court therefrom within the
State of Delaware or, if the Court of Chancery of the State of Delaware declines to accept jurisdiction over a particular matter, any
federal or state court of competent jurisdiction located in the State of Delaware (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely
in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably
submits to the exclusive jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding
in the Chosen Courts, (iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over
any party and (iv)&nbsp;agrees that service of process upon such party in any such action or proceeding will be effective if notice is
given in accordance with <U>Section&nbsp;7.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;7.10</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other parties; <U>provided</U>,
that Investor may assign this Agreement to an affiliate or immediate family member of Investor without the prior written consent of the
other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this
Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns.
This Agreement (including the documents and instruments referred to herein) is not intended to and does not confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
in this Agreement. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and
are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the
knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties
in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with the terms hereof and, accordingly, that the parties shall be entitled an injunction or injunctions to prevent breaches
or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the
parties&rsquo; obligation to consummate the Investment), in addition to any other remedy to which they are entitled at law or in equity.
Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate
and (b)&nbsp;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)&nbsp;and as identified in 12 C.F.R. &sect; 4.32(b)&nbsp;and
12 C.F.R. &sect; 309.5(g)(8)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To
the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the
limitations of the preceding sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.15&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Delivery
by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this
Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original agreement or instrument
and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.
No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo;
format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument
was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file as
a defense to the formation of a contract and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.16&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Certain
Definitions</U>. As used in this Agreement, the following terms have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Actual Fraud</U>&rdquo;
shall mean, a claim by any party hereto against any other party hereto for common law liability under applicable law for its actual and
intentional fraud with respect to the making of its representations and warranties pursuant to this Agreement or its representations
and warranties in any other transaction document delivered hereto&#894; <U>provided</U>, that such actual and intentional fraud of such
party shall only be deemed to exist if such party makes a knowing and intentional misrepresentation of a material fact with respect to
the making of a representation and warranty in this Agreement or any other transaction document delivered hereto, as the case may be,
with damages caused by a party&rsquo;s detrimental reliance on such fact under circumstances that constitute common law fraud under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Anti-Corruption Laws</U>&rdquo;
means (a)&nbsp;the FCPA, (b)&nbsp;any Applicable Law promulgated to implement the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, signed on 17 December&nbsp;1997, and (c)&nbsp;any similar applicable law of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Bank Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;2.1</U> (Organization), <U>Section&nbsp;2.2
</U>(Capitalization); <U>Section&nbsp;2.3(a)</U>&nbsp;and <U>Section&nbsp;2.3(b)(i)</U>&nbsp;(Authority; No Violation); and <U>Section&nbsp;2.7
</U>(Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo;
means the Bank Holding Company Act of 1956.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>CFIUS</U>&rdquo;
means the Committee on Foreign Investment in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Constituent Documents</U>&rdquo;
means the charter documents, bylaws or similar organizational documents of a corporation and comparable organizational documents of other
entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo;
means any federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to:
(a)&nbsp;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural
resource damages, (b)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance
or (c)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous
substance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo;
means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FCPA</U>&rdquo; means
the U.S. Foreign Corrupt Practices Act of 1977.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>FFIEC</U>&rdquo;
means the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Fundamental Warranty</U>&rdquo;
means any Seller Parent Fundamental Warranty, Seller Fundamental Warranty, Bank Fundamental Warranty or Investor Fundamental Warranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; means
U.S. generally accepted accounting principles as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Entity</U>&rdquo;
means any U.S. or non-U.S. federal, state or local governmental or regulatory body, court, judicial authority, arbitrator, administrative
agency, commission or SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Home Owners&rsquo;
Loan Act</U>&rdquo; means the Home Owners&rsquo; Loan Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo;
means intellectual property rights in any jurisdiction, whether registered or unregistered, in and to: (i)&nbsp;all trademarks, service
marks, brand names, internet domain names, social and mobile media identifiers, logos, symbols, certification marks, trade dress and
other indications of source or origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
(ii)&nbsp;inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including
divisionals, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or
reissues thereof, in any jurisdiction; (iii)&nbsp;nonpublic information, trade secrets and know-how, including processes, technologies,
protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit the use or disclosure thereof by
any person; (iv)&nbsp;writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction;
and registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof; and (v)&nbsp;any
similar intellectual property or proprietary rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Investor Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;5.1(a)</U> (Authority; No Violation);
and <U>Section&nbsp;5.3</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Liens</U>&rdquo;
means any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Material Adverse
Effect</U>&rdquo; means,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Bank, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate,
has had or would reasonably be expected to (x)&nbsp;have a material adverse effect on the business, properties, assets, liabilities,
results of operations or financial condition of Bank taken as a whole <U>provided</U>, <U>however</U>, that, with respect to this clause
(i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes, after the date hereof, in GAAP or applicable
regulatory accounting requirements, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or regulations applicable to federal
savings associations operating in the United States or depository institutions operating in Hawaii, or interpretations thereof by courts
or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national, regional or Hawaii political conditions (including
the outbreak of war or acts of terrorism) or in economic or market conditions (including equity, credit and debt markets, as well as
changes in interest rates) affecting depository institutions operating in the financial services industry generally in the United States,
(D)&nbsp;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural disasters,
regardless of origin, or from any outbreak of any disease or other public health event or public health conditions, (E)&nbsp;public disclosure
of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on
a party&rsquo;s relationships with its customers or employees) or actions expressly required by this Agreement or that are taken with
the prior written consent of the other party in contemplation of the transactions contemplated hereby or (F)&nbsp;the failure, in and
of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted
by this proviso); except, with respect to subclauses (A), (B), (C), or (D)&nbsp;to the extent that the effects of such change are disproportionately
adverse to the business, results of operations or financial condition of Bank, taken as a whole, as compared to federal savings associations
operating in the United States or depository institutions operating in Hawaii, (y)&nbsp;have a material adverse effect on the ability
of Bank to timely consummate the transactions contemplated hereby or (z)&nbsp;any Governmental Entity shall have appointed the FDIC as
receiver or conservator of Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>with
respect to Seller Parent, Seller or Investor, any effect, change, event, circumstance, condition, occurrence or development that, either
individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on the ability of Seller
Parent, Seller or Investor, respectively, to timely consummate the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; means
Office of the Comptroller of the Currency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo;
means (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for Taxes not yet due and payable or which are being contested
in good faith by appropriate proceedings and for which adequate reserves have been established in accordance with GAAP, (iii)&nbsp;easements,
rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto
or affected thereby or otherwise materially impair business operations at such properties (iv)&nbsp;such imperfections or irregularities
of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise
materially impair business operations at such properties and (v)&nbsp;licenses and similar rights granted with respect to Intellectual
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Post-Closing Tax
Period</U>&rdquo; means any taxable period beginning after the Closing Date and, with respect to a Straddle Period, the portion of such
taxable period beginning after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means any taxable period ending on or before the Closing Date and, with respect to a Straddle Period, the portion of such taxable period
ending on and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Agencies</U>&rdquo;
means (a)&nbsp;any U.S. federal or state regulatory authority, (b)&nbsp;the SEC, (c)&nbsp;the Federal Reserve Board, (d)&nbsp;the FDIC,
(e)&nbsp;the OCC, (f)&nbsp;the United States Department of Justice, (g)&nbsp;any non-U.S. regulatory authority and (h)&nbsp;any SRO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Representatives</U>&rdquo;
with respect to any person means the officers, directors, employees, agents, advisors and representatives of such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo;
means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Consolidated
Group</U>&rdquo; means any consolidated, combined, affiliated, aggregated, unitary or similar group for Tax purposes the common parent
of which is Seller (or Seller&rsquo;s direct or indirect parent).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;3.1</U> (Organization), <U>Section&nbsp;3.2(a)</U>&nbsp;and
<U>Section&nbsp;3.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;3.3</U> (Consents and Approvals), <U>Section&nbsp;3.4</U>
(Legal and Regulatory Proceedings) and <U>Section&nbsp;3.5</U> (Title to Bank Common Stock) and <U>Section&nbsp;3.6</U> (Broker&rsquo;s
Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Seller Parent Fundamental
Warranties</U>&rdquo; means the representations and warranties set forth in <U>Section&nbsp;4.1</U> (Organization), <U>Section&nbsp;4.2(a)</U>&nbsp;and
<U>Section&nbsp;4.2(b)(i)</U>&nbsp;(Authority; No Violation), <U>Section&nbsp;4.3</U> (Bank Common Stock) <U>Section&nbsp;4.4</U> (Consents
and Approvals) and <U>Section&nbsp;4.5</U> (Broker&rsquo;s Fees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;<U>Seller
Taxes</U>&rdquo; means, without duplication, (a)&nbsp;any Taxes imposed on Bank for any Pre-Closing Tax Period, determined with respect
to any Straddle Period in accordance with Section&nbsp;5.02 of the Separation Agreement and (b)&nbsp;any Taxes of any person (other than
Bank) for which Bank is liable (i)&nbsp;as a result of having been a member of an affiliated, consolidated, combined, unitary or similar
group prior to the Closing, (ii)</FONT>&nbsp;as a transferee, successor or by contract (other than pursuant to agreements which both
(I)&nbsp;were not primarily related to Taxes and (II)&nbsp;were entered into in the ordinary course of business consistent with past
practice), in each case, which Taxes relate to an event or transaction occurring on or prior to the Closing or (iii)&nbsp;pursuant to
a breach of any covenants of Seller Parent or Seller in <U>Section&nbsp;6.2</U> of this Agreement or <U>Article&nbsp;5</U> of the Separation
Agreement. Notwithstanding the foregoing, Seller Taxes shall not include (A)&nbsp;Taxes otherwise borne by Investor pursuant to this
Agreement, (B)&nbsp;Taxes imposed on or with respect to Bank as a result of a breach by Investor or Bank of <U>Section&nbsp;6.3(b)</U>&nbsp;of
this Agreement or Section&nbsp;5.06 of the Separation Agreement, (C)&nbsp;Taxes arising solely as a result of any actions taken by Investor
or Bank on the Closing Date but after the time of Closing that are outside of the ordinary course of business or not contemplated by
this Agreement, (D)&nbsp;Taxes (on a dollar-for-dollar basis) in respect of which Investor has a corresponding claim for repayment, reimbursement
or indemnification against a party other than Seller Parent or Seller Parent&rsquo;s affiliates, (E)&nbsp;Taxes to the extent resulting
from a change of law enacted after the Closing Date, or (F)&nbsp;Taxes to the extent reflected or reserved against in the Bank Financials,
and Seller Taxes shall be calculated by (X)&nbsp;taking into account for the purposes of clause (a)&nbsp;of this definition the amount
of any Tax losses, Tax credits or other Tax attributes of Bank arising in any Pre-Closing Tax Period to the extent such amounts (i)&nbsp;would
have been available for the taxable year to which the Seller Taxes relate to reduce such Seller Taxes (including as a result of subsequent
Tax audits) and (ii)&nbsp;actually reduce such Seller Taxes, and (Y)&nbsp;reducing (but not below zero) Seller Taxes by any amount of
Taxes recoverable and actually recovered under the R&amp;W Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>SRO</U>&rdquo; means
(x)&nbsp;any &ldquo;self-regulatory organization&rdquo; as defined in Section&nbsp;3(a)(26) of the Exchange Act and (y)&nbsp;any other
United States or foreign securities exchange, futures exchange, commodities exchange or contract market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Straddle Period</U>&rdquo;
means a taxable period that begins on or before the Closing Date and ends after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo;
or &ldquo;<U>subsidiary</U>&rdquo; when used with respect to any person, means any corporation, partnership, limited liability company,
bank or other organization, whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or
 &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property,
capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall
profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges,
levies or like assessments or any charge of any kind in the nature of (or similar to) taxes imposed by any Taxing Authority whatsoever
together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo;
means any Governmental Entity exercising any authority to impose, regulate or administer the imposition of taxes (whether domestic or
foreign including any state, local or foreign government or any subdivision or taxing agency thereof (including a United States possession)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Transfer Taxes</U>&rdquo;
means all transfer, sales, use, value-added, stamp duty, documentary, filing, recordation and other similar Taxes (including any penalties
and interest) payable in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;<U>Treasury Regulations</U>&rdquo;
means the United States Treasury regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages&nbsp;Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASB Hawaii,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Scott Seu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;Scott
    Seu</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;Chairman</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Yoko Otani</TD></TR>
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    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Investment Agreement</I>]</P>

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    <TD COLSPAN="3"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solely for purposes of the sections enumerated
in the preamble,</P>
                    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">AMERICAN SAVINGS BANK, F.S.B.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
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    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
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    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ann C. Teranishi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
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    <TD>&nbsp;</TD>
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    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President and Chief Executive&#8239;Officer</P></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">solely for purposes of the sections enumerated
    in the preamble, Hawaiian Electric Industries,&nbsp;Inc.</FONT></TD></TR>
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    <TD COLSPAN="3">&nbsp;</TD></TR>
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    <TD>&nbsp;</TD>
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    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 42%">Scott Seu</TD></TR>
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    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD>President&nbsp;&amp; Chief Executive Officer</TD></TR>
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<TYPE>EX-99.1
<SEQUENCE>25
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<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 99.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2432285d1img_001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>FOR IMMEDIATE RELEASE</B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>HEI Announces Sale of American Savings Bank,</B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Creating Independent Investor-Owned Bank</B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 2pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 2pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>Sale simplifies HEI&rsquo;s strategy and regulatory position, allowing
HEI to focus on core utility business and regaining financial strength</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 2pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 2pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>Enables American Savings Bank to continue strong performance and best-in-class
service for Hawaii customers</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 2pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 2pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>Bank to maintain its current local leadership team, branches and brand</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>HEI to use proceeds to reduce debt, increasing flexibility for funding
wildfire settlement contributions and key utility initiatives, while reducing equity needs</I></FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">HONOLULU &ndash; December&nbsp;31, 2024 &ndash; Hawaiian Electric Industries,&nbsp;Inc.
(HEI) (NYSE - HE) today announced the closing of the sale of 90.1% of the common stock of American Savings Bank, F.S.B (ASB), previously
its wholly owned subsidiary, to independent investors (the &ldquo;Investors&rdquo;) via separate agreements. The transaction values the
bank at $450 million, with the Investors purchasing the 90.1% of ASB common stock for an aggregate cash consideration of $405 million.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The sale of the majority of HEI&rsquo;s ownership in ASB follows the
HEI Board of Directors&rsquo; (the &ldquo;Board&rdquo;) comprehensive review of strategic options regarding the bank, which was previously
announced on August&nbsp;9, 2024. In line with HEI&rsquo;s stated focus on ensuring its enterprise is strong and financially healthy,
the Board evaluated numerous potential paths forward for the bank and considered a range of factors including transaction certainty, proceeds,
timeline to completion, regulatory considerations and potential stakeholder impacts.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The transaction closed December&nbsp;31, 2024, with each Investor having
a non-controlling interest in ASB. No investor owns more than 9.9% of the bank&rsquo;s common stock, including HEI, which has retained
a 9.9% stake. The Investors also include all of ASB&rsquo;s executive team and independent directors. The sale creates an independent,
local bank headquartered in Honolulu, led by ASB&rsquo;s current management team under its existing brand.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;This transaction marks an important step in HEI&rsquo;s efforts
to best position our companies to serve our customers and communities for the long term,&rdquo; said Scott Seu, President and CEO of
HEI. &ldquo;As we navigate a dynamic time in the banking industry, we are confident selling 90% of ASB to independent investors is the
best approach for HEI, ASB and our communities. The sale allows HEI to enhance our focus on the utility as we work to help our state
recover from the 2023 Maui wildfires and strengthen the financial and strategic position of our company. We intend to use the proceeds
to reduce holding company debt, increasing flexibility for how HEI funds the HEI and Hawaiian Electric wildfire settlement contributions
and key utility initiatives.&rdquo;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">HEI &bull; 1001 Bishop Street, Suite&nbsp;2900 &bull;
Honolulu, HI 96813</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Mailing Address: P.O.&nbsp;Box 730 &bull; Honolulu,
HI 96808-0730</P>


<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;This represents the best outcome for ASB, our customers, employees,
and the communities we&rsquo;ve served since 1925 as we focus on the next 100 years,&rdquo; said Ann Teranishi, President and CEO of ASB.
 &ldquo;We are excited about this next chapter for ASB.&rdquo;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Additional Transaction Details</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With the completion of the sale of most of its stake in ASB, HEI will
operate as a simplified holding company with streamlined strategic focus on its utility, Hawaiian Electric. As an owner of 9.9% of the
bank&rsquo;s common stock, it is expected that HEI will no longer be subject to regulation as a savings and loan holding company. The
sale of ASB provides opportunities to increase efficiency, which HEI and Hawaiian Electric will evaluate moving forward. As previously
announced, HEI has been undertaking a comprehensive review of strategic options for Pacific Current, its wholly owned subsidiary, which
remains ongoing.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Advisors</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Piper Sandler&nbsp;&amp; Co. and Guggenheim Securities, LLC served as
financial advisors to HEI and Sullivan&nbsp;&amp; Cromwell LLP served as HEI&rsquo;s legal advisor.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>About HEI</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The HEI family of companies provides the energy services that empower
much of the economic and community activity of Hawaii. HEI&rsquo;s electric utility, Hawaiian Electric, supplies power to approximately
95% of Hawaii&rsquo;s population and is undertaking an ambitious effort to decarbonize its operations and the broader state economy,
and modernize and harden the grid to ensure resilience and public safety. HEI also helps advance Hawaii&rsquo;s sustainability goals
through investments by its non-regulated subsidiary, Pacific Current. For more information, visit www.hei.com.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Forward-Looking Statements</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This release may contain &ldquo;forward-looking statements,&rdquo;
which include statements that are predictive in nature, depend upon or refer to future events or conditions, and usually include words
such as &ldquo;will,&rdquo; &ldquo;expects,&rdquo; &ldquo;anticipates,&rdquo; &ldquo;intends,&rdquo; &ldquo;plans,&rdquo; &ldquo;believes,&rdquo;
 &ldquo;predicts,&rdquo; &ldquo;estimates&rdquo; or similar expressions. In addition, any statements concerning future financial performance,
ongoing business strategies or prospects or possible future actions are also forward-looking statements. Forward-looking statements are
based on current expectations and projections about future events and are subject to risks, uncertainties and the accuracy of assumptions
concerning HEI and its subsidiaries, the performance of the industries in which they do business and economic, political and market factors,
among other things. These forward-looking statements are not guarantees of future performance.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #1a1a1a">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Forward-looking statements in this release should be read in conjunction
with the &ldquo;Cautionary Note Regarding Forward-Looking Statements&rdquo; and &ldquo;Risk Factors&rdquo; discussions (which are incorporated
by reference herein) set forth in HEI&rsquo;s Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2023 and HEI&rsquo;s
other SEC periodic reports and filings that discuss</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">HEI &bull; 1001 Bishop Street, Suite&nbsp;2900 &bull;
Honolulu, HI 96813</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Mailing Address: P.O.&nbsp;Box 730 &bull; Honolulu,
HI 96808-0730</P>


<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">important factors that could cause HEI&rsquo;s results to differ materially from
those anticipated in such statements. These forward-looking statements speak only as of the date of the report, presentation or filing
in which they are made. Except to the extent required by the federal securities laws, HEI, Hawaiian Electric, ASB and their subsidiaries
undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events
or otherwise.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #1a1a1a">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #1a1a1a">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Investor Contact</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Mateo Garcia</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Director,&nbsp;Investor Relations</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ir@hei.com</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(808) 543-7300</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Media Contact</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Julie Smolinski</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">VP, Strategy&nbsp;&amp; Corporate Sustainability</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">media@hei.com</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(808) 543-5874</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">HEI &bull; 1001 Bishop Street, Suite&nbsp;2900 &bull;
Honolulu, HI 96813</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Mailing Address: P.O.&nbsp;Box 730 &bull; Honolulu,
HI 96808-0730</P>


<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd" />
    <import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd" />
    <import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd" />
    <import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd" />
    <import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>27
<FILENAME>he-20241230_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.24c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <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>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <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>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <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>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
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      <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>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
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      <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/2023/dei-2023.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/2023/dei-2023.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>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <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/2023/dei-2023.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>
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      <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>
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      <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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>28
<FILENAME>he-20241230_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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<TYPE>XML
<SEQUENCE>31
<FILENAME>R1.htm
<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">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.24.4</span><table class="report" border="0" cellspacing="2" id="idm46490040043728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Dec. 30, 2024</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_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 30,  2024<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_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-8503<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_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Hawaiian Electric Industries,
    Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000354707<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_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">99-0208097<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_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">HI<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_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1001
Bishop Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 2900<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">Honolulu<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">HI<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">96813<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">808<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">543-5662<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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, Without Par Value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HE<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="ro">
<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>
</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_CoverAbstract">
<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>Cover page.</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_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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_EntityAddressAddressLine2">
<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 2 such as Street or Suite number</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_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 14d-2(b) 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 14d<br> -Subsection 2b<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_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Title of a 12(b) registered security.</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<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_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 Exchange on which a security is registered.</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 d1-1<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_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 soliciting material pursuant to Rule 14a-12 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> -Section 14a<br> -Number 240<br> -Subsection 12<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_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="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">
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
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<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 written communications pursuant to Rule 425 under the Securities 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 Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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